Ratings:

A.M. Best B++

James Alden

Experienced Financial Advisor

25 years

experience

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career consultations

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Income Navigator

The Atlantic Coast Life Insurance Company is nearing a century of experience in the field of retirement planning, being founded in 1925. The company has been known to serve funeral homes and families by providing end of life funding and solutions. With a focus on speed of claim payments, Atlantic Coast strives to be a ‘beacon of integrity’ when it comes to dealing with clients and agents alike. Of late, it has been committed to developing its preneed and annuity distribution systems, while always protecting stakeholder interests. Being acquired by Advantage Capital in 2015 helped this process, leading to a nationwide expansion and launching of its annuity sales division.

15 customer reviews

Income Navigator

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Ratings:

A.M. Best B++

About Product

Type

Fixed Index

Purpose

Accumulation

Premium Bonus

Term

10 Years

Surrender schedule

9%8.5%7.5%6.5%5.5%4.5%3.5%2.5%1.5%0.5%

Fee withdrawal:

10%

Market Value Adjustment

Yes

Return Of Premium

No x

Minimum Contribution

$5,000

Maximum Contribution

$1,000,000

Max Age Qualified

Types Of Funds

Non-Qualified, 401k, IRA, IRA Rollover, 401a, IRA Transfer, SEP IRA, IRA-Roth, SIMPLE IRA, 1035 Exchange, Stretch IRA, Inherited IRA, and TSP

Launch Date

01/07/2019

The Atlantic Coast Life Income Navigator Annuity is a 10 year, single premium, deferred annuity with four different indexing strategies, in addition to a fixed account. An Income Rider is also available with a rollup that may continue to compound up to 20 years.

Available in states: AL, AZ, AR, CO, FL, GA, HI, IL, IN, IA, KS, KY, LA, MD, MA, MS, MO, MT, NE, NV, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, and WY

Allocation Accounts

Name	Type	Rates
1-Year Fixed Account	Fixed	2.75% Fixed
1-Year S&P 500 PTP Cap	Point to Point Annual	4% Cap
1-Year S&P 500 PTP Monthly Average Cap	Point to Point Annual Monthly average	4% Cap
1-Year S&P 500 PTP Daily Average Cap	Point to Point Annual Daily average	4% Cap
1-Year S&P 500 PTP Monthly Sum Cap	Point to Point Annual Monthly sum	1.7% Cap

Surrender schedule

Year	1	2	3	4	5	6	7	8	9	10
Penalty	9%	9%	8%	7%	6%	5%	4%	3%	2%	1%

Riders

No Riders for Income Navigator annuity.

Waivers

No Waivers for Income Navigator annuity.

Withdrawal Provisions

Withdrawal Provisions

Required Minimum Distribution (RMD) is available Penalty-free during the first contract year or the interest earned on funds allocated to the fixed account
RMD or up to 10% of the Purchase Premium is available penalty Free after the first Policy Year, whichever is greater.
A maximum of two withdrawals is allowed each Policy Year.
Minimum withdrawal amount of $250; Minimum Accumulation Value after withdrawal is $2,500
After the fifth policy year, you can apply the vested value of the policy to purchase a settlement option to provide income.