Atlantic Coast Life's Income Navigator Review

atlantic coast income navigator brochure

The Atlantic Coast Income Navigator annuity is a Fixed Indexed annuity designed for growth with an income rider.

Income Navigator Annuity Highlights:

Income Navigator Annuity Interest Rates
Index Strategy Cap Rates
S&P 500 Annual Point to Point 2.50%
Monthly Average 2.50%
Daily Averaging 2.50%
Monthly Sum 1.30%

Frequently Asked Questions About the Income Navigator Annuity:

Q: What is the minimum premium I need to pay?
A: $5,000

Q: Am I paid a bonus on my initial premium at sign-up?
A: Yes, there is a 7% premium bonus to the accumulation value which requires a 10 year vesting period. This bonus increases to 8% with the purchase of an income rider.

Q: Can I pay additional premium later on?
A: No. This is a single premium annuity.

Q: Are there any age restrictions?
A: Yes. You can purchase this annuity up to age 80. In some states the age requirements may differ.

Q: In which states is the Income Navigator annuity available?
A: The Income Navigator annuity is not available in all states. Call 800-872-6684 to find out if it's available in your state.

Q: Does this annuity have an income rider (for withdrawing income)?
A: Yes, there is an optional income rider for a 1.05% annual fee to the accumulated value of the contract.

Q: For how long are surrender charges in effect?
A: 10 Years

Q:Does the Income Navigator annuity permit any withdrawals without penalties?
A:Yes. You may make interest withdrawals in the first year and up to 10% of the accumulated value each following contract year.

Q: What benchmark indices do the Income Navigator annuity offer?
A:S&P 500

Q: What are the index account options?
A:Annual Point-to-Point, Monthly Average, Daily Averaging, and Monthly sum.

Q: What is the Method for Crediting Interest or Gains?
A: Cap rates.

To review the Income Navigator annuity with an agent or to receive a free personalized illustration call 800-872-6684 or fill in the "Get My Free Quote" form in the upper right section of this page.

Read more about the Income Navigator Annuity on Atlantic Coast Life's site

See which other annuities are really popular here.