INCOME NAVIGATOR

Built for Guaranteed Income

In today’s challenging financial environment, many people are looking for reliable solutions for retirement income.

The Income Navigator AnnuitySM is a customizable fixed indexed annuity that offers guaranteed income for your lifetime through the selection of its optional Income Rider. As a fixed indexed annuity, the Income Navigator AnnuitySM provides you with the flexibility to participate in market growth while protecting your principal from market declines with a 0% floor. With the Income Navigator AnnuitySM you have the opportunity to build a custom solution that meets your unique needs, by pairing guaranteed income benefits with accumulation power through a variety of indexing strategies.

Features

*Premium bonus is subject to vesting schedule. Inclusion of the income rider subject to age restriction.

Income Navigator Rates

Effective 05/17/2021

Premium BonusBase Contract - 7.00%
With Income Rider - 5.00%
Interest Rate Guarantees
1st Year Rate1.50%
Current Rate Guarantee1 Yr
Indexing
Index/BenchmarkS&P 500®
Participation Rates100%
CapsAnnual Point-to-Point Cap: 2.50%
Monthly Averaging Cap: 2.50%
Daily Averaging Cap: 2.50%
Monthly Sum Cap: 1.30%
Riders
Optional Riders and CostIncome Rider - 1.50%

Interest rates as of 05/17/2021 and are subject to change without notice. Quoted rates may vary due to state regulations and taxes. Not all annuities and optional riders are available in all states. Income Navigator has a 10-year surrender schedule. Premium bonuses are subject to a vesting schedule. Inclusion of the income rider subject to age restriction.

Income Navigator Rates

Effective 4/11/2023

Premium Bonus Base Contract: 7.00%
With Income Rider: 7.00%
Interest Rate Guarantees
1st Year Rate 2.75%
Current Rate Guarantee 1 Yr
Indexing
Index/Benchmark S&P 500®
Participation Rates 100%
Caps Annual Point-to-Point Cap: 4.00%
Monthly Averaging Cap: 4.00%
Daily Averaging Cap: 4.00%
Monthly Sum Cap: 1.70%
Riders
Optional Riders and Cost Income Rider: 1.50% fee

Interest rates are subject to change without notice. Quoted rates may vary due to state regulations and taxes. Products, features, and riders may not be available in all jurisdictions. Refer to the policy for all terms and conditions. All Guarantees are based on the claims-paying ability of Atlantic Coast Life Insurance Company.

Income Navigator has a 10-year surrender schedule. Premium bonuses are subject to a vesting schedule. Inclusion of the income rider subject to age restriction. 

ATLANTIC COAST LIFE INSURANCE COMPANY IS A MEMBER OF THE A-CAP FAMILY

Copyright © 2024 Atlantic Coast Life Inc. All rights Reserved.
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