Income Navigator Annuity
Atlantic Coast Life
4%
Best Cap
10%
Free W/D
41
States
The Income Navigator Annuity is a customizable fixed indexed annuity designed to provide guaranteed lifetime income through an optional rider while allowing your money to grow with market-based index strategies, all with downside protection. It's built for retirees and near-retirees seeking reliable income combined with growth potential.
Free Withdrawal
10%/yr
Available In
41 states
Min Premium
$5,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| S&P 500 Index | Annual | 4% | 100% | -- |
| S&P 500 Index | Daily | 4% | 100% | -- |
| S&P 500 Index | Monthly | 4% | 100% | -- |
| Fixed Account | Daily | -- | -- | 2.75% |
Key Features
7% Premium Bonus
7% of premiumOne-time bonus immediately credited to your Accumulation Account and Income Account Value (if Income Rider selected) to boost your earning potential
Income Rider with 7% Rollup
7% for 10 years, then 2% minimumAnnual compound growth of your Income Account Value at 7% for the first 10 years (minimum 2% thereafter), used to calculate guaranteed lifetime withdrawal payments
Guaranteed Lifetime Withdrawal Benefit
Based on payout factor and ageSpecified annual income amount you can withdraw for life, regardless of market performance or account balance—even if it drops to zero
Four Index Strategies
0% floor on all strategiesAnnual Point-to-Point, Monthly Sum, Monthly Averaging, and Daily Averaging—all track the S&P 500 with upside capture and 0% downside floor
Fixed Account Option
Annual rate guaranteeGuaranteed interest rate with daily compounding for predictable, steady growth without market risk
Tax-Deferred Growth
Tax-deferred until withdrawalInterest compounds daily tax-deferred; you pay taxes only when you withdraw, allowing faster accumulation
Flexible Withdrawals
Up to $250–$2,500 minimum per withdrawalWithdraw interest, Required Minimum Distributions, or up to 10% of contract value annually without surrender charges (year 2+)
Settlement Options
Available year 5+After year 5, choose lifetime income, period-certain payments (5–20 years), or lifetime with guaranteed period—providing income flexibility in retirement
Highlights
Guaranteed lifetime income through optional Income Rider, starting as early as age 55
Participate in market growth with a 0% floor—earn gains without losing principal to market declines
Immediate 7% premium bonus credited to your account, plus 7% annual compound rollup for 10 years
Four flexible index strategies to customize your growth, or choose a fixed account for stability
Access your money without surrender charges through specific withdrawal options in years 1 and beyond
Surrender Schedule
Yr 1
12%
Yr 2
11%
Yr 3
10%
Yr 4
9%
Yr 5
8%
Yr 6
7%
Yr 7
6%
Yr 8
5%
Yr 9
4%
Yr 10
2%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
Retirees and near-retirees age 55 or older who want guaranteed lifetime income, downside market protection, growth potential linked to the S&P 500, and tax-deferred accumulation.
Consider Alternatives If
Investors who need immediate liquidity, are younger than 55 (if interested in the Income Rider), or prefer direct stock market exposure and unlimited upside potential.
Carrier Ratings
Free Comparison Report
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