Atlantic Coast Life Income Navigator

In today’s challenging financial environment, many people are seeking safer investment opportunities. Fixed indexed annuities provide the flexibility to participate in the growth of the stock market and protect your principal when the stock market declines. With the Income Navigator Annuity you have the ability to enhance your financial future by selecting from a variety of indexing strategies.

There are many factors to consider when looking into a fixed indexed annuity. Your client’s age, annual income, liquid net worth, and financial needs are all important in determining whether or not a fixed indexed annuity can help them reach their financial goals.

Features & Benefits

Premium Bonus

When you purchase your Income Navigator Annuity you will receive a one-time Premium Bonus. The amount of the Premium Bonus depends upon your rider selection. The Premium Bonus is immediately credited to your account which gives you an opportunity to earn additional interest and funds that you can access subject to your vesting schedule.

Death Benefit

The amount payable if the Owner, or the Annuitant if the Owner is not a Natural Person, dies before annuity payments begin is equal to the Accumulation Value less the Non-vested Premium Bonus or the Minimum Guaranteed Surrender Value determined as of the date of death, whichever is greater.

Accessibility

The Income Navigator Annuity offers several options to access your money without being subject to surrender charges or market value adjustments.

Surrender Charges

If your client surrenders their policy or request withdrawals above a certain amount, there may be surrender charges.

Income Rider

Atlantic Coast Life offers an Income Rider that your client may select when they purchase the Income Navigator Annuity. The Income Rider guarantees that they may withdraw a specified amount from the Income Navigator Annuity each year and is available even if the Accumulation Value of your annuity goes to zero after income payments begin.

Income payments under this rider are available as long as your client is at least 55. When they elect to receive payments under the Income Rider they have the option to select a single life payout for themselves or a joint life payout for themselves and their spouse.

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