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Best Guaranteed Annuity Rates
2-Year
5.70%
3-Year
6.25%
5-Year
6.50%
7-Year
5.85%
10-Year
5.80%

Income Navigator with Income Rider

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Highlights

The Atlantic Coast Life Income Navigator Annuity is a 10 year, single premium, a 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
Type
Fixed Index
Purpose Lifetime Income
Premium Bonus
7%
Term
10 Years
Surrender schedule
9%8.5%7.5%6.5%5.5%4.5%3.5%2.5%1.5%0.5%
Free withdrawal
1st year: 0%
2nd+ year: 10%
Market value adjustment
Return of premium
Launch date
01/07/2019
Minimum contribution
$5,000
Maximum contribution
$1,000,000
Max Age Qualified
80
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
Brochure
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Find out if the Income Navigator with Income Rider is the right product for you.

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.

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

Name Inbuilt Fee
Income Navigator GLWB Yes 1.50% annually

Waivers

No Waivers for Income Navigator with Income Rider annuity.

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