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Income Navigator

The Income Navigator annuity is a true boon for those looking towards a secure retirement. It assures stability with a guaranteed income stream, relieving any financial stress.

Its flexibility is a standout feature, allowing for customized payment plans. The Income Navigator ensures your golden years are truly golden!

Income Navigator

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About Product

Type

Fixed Index

Purpose

Accumulation

Premium Bonus

Term

10 Years

Surrender schedule

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

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%

Hypothetical Projection

Comparison against S&P 500 using current rates

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Investment Amount

Riders

No Riders for Income Navigator annuity.

Waivers

No Waivers for Income Navigator annuity.

Withdrawal Provisions

Withdrawal ProvisionsRequired 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.

Company Founded: 1925

Good Rated Company

Atlantic Coast Life Insurance Company

Company Ratings

4.2