Atlantic Coast Life Insurance Company
5.0
based on complex data
Annuity Educator Rating
Annuity review

Income Navigator with Income Rider

The Income Navigator with Income Rider is a smart choice for retirees and future planners. It offers the peace of mind of a steady, reliable income for life. Think of it as a safety net in cloudy times!

Based on the product brochure, it provides flexibility, allowing you to adapt to life's changes. With its guaranteed growth, your golden years will be truly golden. Jump onboard and let the Income Navigator guide your financial journey!

Income Navigator with Income Rider-brochure Income Navigator with Income Rider-brochure

Income Navigator with Income Rider

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About Product

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%
Fee withdrawal:
10%
Market Value Adjustment
Yes
Return Of Premium
No
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
Launch Date
01/07/2019
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.
Please note the Guaranteed Lifetime Withdrawal Benefit Rider is inbuilt into this product. A product with no rider is available separately.
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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Riders

Name Inbuilt Fee
Income Navigator GLWB Yes 1.50% annually

Waivers

No Waivers for Income Navigator with Income Rider 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
  • A.M. Best B++
Assets: $1,025,343,989
South Carolina

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