Atlantic Coast Life Insurance Company

As Baby Boomers age, seniors make up an increasingly large portion of Americans, resulting in long-term increased demand for products and services geared towards managing seniors’ health and lifestyle.

Goldman Sachs Aging of America Dynamic Balance Index

Created by Goldman Sachs & Co. LLC, the Index, dynamically allocates to equities, as represented by the Aging of America Index and U.S. fixed income, as represented by the 10-Year U.S. Treasury Rolling Futures Index. 

The Aging of America index seeks to provide targeted exposure to companies in the healthcare and real estate sectors that may benefit from the growth in the older population in the United States. 

Such segments can include Cancer Care, Cardiovascular Care, Orthopedic Care, Diabetes Care, Medicare Insurers, and Assisted Living.  Exposure to 10- Year U.S. Treasury Rolling Futures Index, a known fixed-income benchmark, is based on a daily observed momentum signal. 

The Goldman Sachs index includes a volatility control feature seeking to generate more stable, smooth returns over time.

Index Composition

The Goldman Sachs Aging of America Dynamic Balance Index is comprised of:

• U.S. Equities (and American Depositary Receipts, or ADRs) represented by the Aging of America Index
•  U.S. fixed income, represented by 10-Year U.S. Treasury Rolling Futures Index

* An allocation above 100% represents leveraged exposure to the Index.

Volatility Control Index

The index is a rules-based methodology that seeks to provide dynamic exposure to the equity and fixed income components. Risk is monitored daily, and re-balancing generally results in higher weighting in components with lower historical volatility and less weight to those with higher historical volatility.  

The index has a 5% volatility cap and to the extent, the volatility cap is exceeded, the money market allocation is increased.  The index is calculated on an excess return basis.

Retirement Plus MultiplierSM offers two index accounts based on the Goldman Sachs Aging of America Dynamic Balance Index:

• 1 Year Point to Point with Participation Rate
• 3 Year Point to Point with Participation Rate

When you allocate your annuity’s funds to either account, the index’s positive performance will generate index credits or interest that will add to the value of your annuity. Your annuity is not directly invested in the Index or its underlying components.