Annuity rate data updated daily
Rate data refreshes daily from AdvisorWorld and CANNEX carrier feeds. View current rates
4%
Best S&P 500 Annual Cap
10%
Free W/D
41
Available jurisdictions
Product data status: July 17, 2026
Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.
Model this product
Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.
Free Comparison Report
See how Income Navigator Annuity compares for your age, state, premium, and income goals alongside other Atlantic Coast Life fixed indexed annuity options.
Live rate data
Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Atlantic Coast Life product.
Live product data
Rates as of July 17, 2026, from AdvisorWorld and CANNEX.
S&P 500 annual cap rate
An accumulation fixed indexed annuity from Atlantic Coast Life with an at-issue premium bonus on a multi-year graded vesting ladder, a recognizable S&P 500 annual point-to-point cap among its crediting strategies, and — despite its name — no guaranteed-lifetime-withdrawal rider or Protected Income Value chassis in the live feed.
Best fit
Accumulation-focused buyers who can commit to the full surrender term plus the longer bonus-vesting window, want a recognizable S&P 500 cap exposure alongside the at-issue premium bonus, and intend to take any future income via annuitization or systematic withdrawals rather than a guaranteed-lifetime-withdrawal rider.
AM Best
B Fair
Surrender period
10 years
Free withdrawal
10%/yr
Availability
41 jurisdictions (restricted footprint)
Caps, participation rates, and declared rates are shown separately.
S&P 500
S&P 500 Index
4% cap rate
Annual cap
1-year term · 10-year surrender · Does not vary by premium
1-year term
10-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
monthly sum cap
1.7% cap rate
Monthly sum
1-year term · 10-year surrender · Does not vary by premium
1-year term
10-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
monthly avg cap
4% cap rate
Monthly cap
1-year term · 10-year surrender · Does not vary by premium
1-year term
10-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
4% cap rate
Cap strategy
1-year term · 10-year surrender · Does not vary by premium
1-year term
10-year surrender
Does not vary by premium
Fixed Account
Fixed Account
2.75% declared rate
Fixed account
1-year term · 10-year surrender · Does not vary by premium
1-year term
10-year surrender
Does not vary by premium
Income rider
Product analyst notes
Not ideal for
Buyers who read the product name and expect a guaranteed-lifetime-withdrawal rider or a Protected Income Value income mechanism, need short-surrender liquidity, plan to surrender inside the bonus-vesting window, or require an A.M. Best 'Excellent' or 'Superior' carrier-strength rating — none of those are what this contract is built to deliver.
Free Comparison Report
See how Income Navigator Annuity compares for your age, state, premium, and income goals alongside other Atlantic Coast Life fixed indexed annuity options.
These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, or rate type.
Cap: 4% · 1-yr
S&P 500 Index
cap
Cap: 4% · 1-yr
S&P 500 Index
monthly_avg_cap
Cap: 4% · 1-yr
S&P 500 Index
cap
Fixed: 2.75% · 1-yr
Fixed Account
fixed
Cap: 1.7% · 1-yr
S&P 500 Index
monthly_sum_cap
Income rider
GLWB
Linked review
Atlantic Coast Income Navigator Indexed Annuity provides tax-deferred growth, premium bonuses, and lifetime income through optional riders.
A negative index return by itself does not reduce the contract's account value: Income Navigator Annuity credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.
It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 7% roll-up and 5.1% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.
Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 10 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.
Use "Compare against" in the analyzer to overlay another current Income Navigator Annuity strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.
Annual amount that may be available without surrender charges, subject to contract terms.
Nursing home waiver, Terminal illness waiver
Bonus terms can vary by state, premium band, and rider election.
Beneficiary value depends on contract terms, withdrawals, and rider elections.
Minimum guaranteed cap for cap-based indexed strategies.
Guaranteed minimum interest rate for the fixed account.
Minimum guaranteed participation rate for participation-rate indexed strategies.
Contract conversion options should be confirmed before purchase.
Availability can vary by state and product terms.
Yr 1
9%
Yr 2
8.5%
Yr 3
7.5%
Yr 4
6.5%
Yr 5
5.5%
Yr 6
4.5%
Yr 7
3.5%
Yr 8
2.5%
Yr 9
1.5%
Yr 10
0.5%
After
0%
Nursing home waiver, Terminal illness waiver, Surrender waivers
brochure
Direct link not published — request the document from the carrier.
Crediting design
Income Navigator Annuity currently shows 5 indexed or fixed crediting options, including S&P 500 Index. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.
Income rider language
Guaranteed Lifetime Withdrawal Benefit is the main income rider listed for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.
Liquidity terms
A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.
Verification note
Carrier materials such as ACLINABR-OT-111824.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.
Free Comparison Report
See how Income Navigator Annuity compares for your age, state, premium, and income goals alongside other Atlantic Coast Life fixed indexed annuity options.