Atlantic Coast Life

For nearly 100 years, Atlantic Coast Life Insurance has maintained a strong reputation as a provider of insurance and annuity products. The company offers fixed index and multi-year guaranteed annuities that purchasers can customize for their individual financial goals.

  • Written By
    Jennifer Schell

    Jennifer Schell

    Financial Writer

    Jennifer Schell is a professional writer focused on demystifying annuities and other financial topics including banking, financial advising and insurance. She is proud to be a member of the National Association for Fixed Annuities (NAFA) as well as the National Association of Insurance and Financial Advisors (NAIFA).

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  • Edited By
    Savannah Pittle
    Savannah Pittle, senior financial editor for

    Savannah Pittle

    Senior Financial Editor

    Savannah Pittle is an accomplished writer, editor and content marketer. She joined as a financial editor in 2021 and uses her passion for educating readers on complex topics to guide visitors toward the path of financial literacy.

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  • Financially Reviewed By
    Timothy Li, MBA
    Timothy Li, MBA Headshot

    Timothy Li, MBA

    Business Finance Manager

    Timothy Li, MBA, has dedicated his career to increasing profitability for his clients, including Fortune 500 companies. Timothy currently serves as a business finance manager where he researches ways to increase profitability within the supply chain, logistics and sales departments.

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  • Updated: July 4, 2023
  • 4 min read time
  • This page features 7 Cited Research Articles
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Our Partnerships, Vision and Goals

We pride ourselves on partnering with professionals like those from Senior Market Sales (SMS) — a market leader with over 30 years of experience in the insurance industry — who offer personalized retirement solutions for consumers across the country. Our relationships with partners including SMS and Insuractive, the company’s consumer-facing branch, allow us to facilitate the sale of annuities and other retirement-oriented financial products to consumers who are looking to purchase safe and reliable solutions to fill gaps in their retirement income. We are compensated when we produce legitimate inquiries, and that compensation helps make an even stronger resource for our audience. We may also, at times, sell lead data to partners in our network in order to best connect consumers to the information they request. Readers are in no way obligated to use our partners’ services to access the free resources on carefully selects partners who share a common goal of educating consumers and helping them select the most appropriate product for their unique financial and lifestyle goals. Our network of advisors will never recommend products that are not right for the consumer, nor will Additionally, operates independently of its partners and has complete editorial control over the information we publish.

Our vision is to provide users with the highest quality information possible about their financial options and empower them to make informed decisions based on their unique needs.

About Atlantic Coast Life

Atlantic Coast Life Insurance Company was founded in 1925 by Y. W. Scarborough and J. W. Orvin. From the beginning, the company developed a reputation in its community for fulfilling its obligations and paying claims quickly. Atlantic Coast Life began in South Carolina and still has its headquarters there, and by 1978 the company employed over 250 people at 15 offices across the state.

In the nearly 100 years since its founding, the company has further expanded to offer a variety of products, including annuities to help Americans safeguard their financial security in retirement and preneed life insurance for end-of-life expenses. Atlantic Coast Life also offers Medicare supplemental insurance to cover expenses not paid for by Medicare.

According to the company’s website, Atlantic Coast Life’s plans for the future are “to continue to nurture and improve our Preneed and Annuity distribution systems and to protect all of our stakeholders by continuing to be a ‘Beacon of Integrity’ in all of our dealings with clients, agents and producers.”

Did You Know?

If you have questions about your Atlantic Coast Life annuity, you can contact the company using this number:


Credit Ratings

Credit ratings, also known as financial strength ratings, are issued by independent rating agencies. The scores give consumers a snapshot of the overall financial wellness of an annuity provider. The better the credit rating a provider receives, the more confident you can feel that the company will uphold their end of an annuity contract.

Atlantic Coast Life was given a Long-Term Issuer Credit rating of “bbb+” from the AM Best credit rating agency, which categorizes the company as “good.” The company also received a “B++” Financial Strength Rating. The ratings were issued in August 2022.

Annuities Offered by Atlantic Coast Life

Atlantic Coast Life Insurance offers a broad array of annuities to help customers choose the product that’s right for them. These products can be divided into two main categories: fixed index annuities and multi-year guaranteed annuities.

Fixed Index Annuities

A fixed index annuity earns interest on a lump sum premium based on two factors. There’s the guaranteed fixed interest rate and the variable rate based on the performance of an equity market index like the S&P 500.

The fixed index annuities Atlantic Coast Life sells are designed to protect and grow the holder’s principal while reaping the benefits of strong market growth during the annuity’s accumulation period. Atlantic Coast Life offers four fixed index annuity products, which can be customized by the annuity purchaser to best fit their personal financial needs.

Atlantic Coast Life Fixed Index Annuities

  • Accumulation Protector Plus℠
  • Guaranteed Income
  • Income Navigator
  • Retirement Plus Multiplier℠

Multi-Year Guaranteed Annuities

Multi-year guaranteed annuities (MYGAs) are a type of fixed annuity which accumulates interest based on a fixed rate that’s guaranteed for the entire life of the annuity’s contract. This is different from a traditional fixed annuity, in which the interest rate is not locked in for the entire term of the annuity and may change after the first few years of the contract.

Atlantic Coast Life provides three varieties of MYGA products. Each of these annuities can be purchased with terms of five, six, seven, 10 or even 20 years.

Atlantic Coast Life Multi-Year Guaranteed Annuities

  • Safe Anchor
  • Safe Harbor
  • Safe Haven
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Client Resources

Atlantic Coast Life allows insurance policyholders to make payments online through Simply Easier Payments, a third-party vendor that handles credit card payments. The company’s website also features a Frequently Asked Questions page with detailed information on the various annuity and insurance products. Annuity holders looking for relevant paperwork can access Atlantic Coast Life’s online Document Manager, where they can search for and download forms.


If you have an annuity with Atlantic Coat Life, you can log into your account at:

Atlantic Coast Life’s Web Portal

About has provided reliable, accurate and trustworthy financial information to readers since 2013. We partner with professionals like those from Senior Market Sales (SMS), a market leader with over 30 years of experience in the insurance industry, to offer personalized retirement solutions for consumers across the country.

Any information offered about the company above is provided free of charge and individual product offerings are verified and accurate as of publication.

Our partners work with the provider companies mentioned on our site. However, is not a service provider. Actual products, terms and rates offered through the above company are subject to in-state availability and a variety of other factors. Visit the Our Partners page for additional information.

Please seek the advice of a qualified professional before making financial decisions.
Last Modified: July 4, 2023