Annuity rate data updated daily

Rate data refreshes daily from AdvisorWorld and CANNEX carrier feeds. View current rates

Fixed Indexed Annuity

Income Navigator Annuity

Atlantic Coast Life

4%

Best Cap

10%

Free W/D

41

Jurisdictions

Product data status: May 29, 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.

Live product data

Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

4% cap on S&P 500

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.

1-year termAdvisorWorld + CANNEX data

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

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

4% cap rate

S&P 500

S&P 500 Index

1.7% cap rate

S&P 500

S&P 500 Index

4% cap rate

S&P 500

S&P 500 Index

4% cap rate

Fixed Account

Fixed Account

2.75% declared rate

Lifetime Income Riders

Income rider

Guaranteed Withdrawal Benefit

RMD friendly
Lifetime payout rate5.1% lifetime payout
Annual rider fee1.5% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

  • Premium bonus is credited at issue with a graded multi-year vesting ladder — buyers who plan to hold past the vesting window get the full bonus, and the schedule itself is published on this page rather than hidden in a brochure.
  • Crediting menu includes a recognizable S&P 500 annual point-to-point cap, so a buyer gets at least one like-for-like comparison point against other FIAs on this site rather than only proprietary or monthly-measurement strategies.
  • Surrender ladder, annual free-withdrawal allowance, nursing-home and terminal-illness surrender-charge waivers, and the MVA disclosure are all visible on this page — penalty-free liquidity terms are not gated behind a sales brochure.
  • Carrier supports single-, joint-, trust-, and corporation-owned contracts and both qualified and non-qualified funding, so the contract fits a range of ownership and tax situations without a separate filing.

What to confirm

  • The product is named 'Income Navigator' but contains no guaranteed-lifetime-withdrawal rider, no Protected Income Value chassis, and no published income-base roll-up rate in the live feed. The only contractual income mechanism is plain annuitization — do not compare its lifetime payout side-by-side with a rider-led income FIA or a PIV-chassis product.
  • The premium bonus does not vest immediately. The published vesting schedule grades out across a multi-year window that extends past the surrender ladder itself, so a buyer who surrenders inside that window keeps less of the bonus than the headline rate implies — read the vesting ladder on this page before treating the bonus as committed value.
  • Carrier financial-strength rating from A.M. Best sits below the 'Excellent' and 'Superior' tiers commonly carried by the largest FIA issuers. Buyers who weight carrier strength heavily should evaluate that trade-off against the bonus and surrender terms.
  • Surrender lockup runs the full filing term with a market-value adjustment in force. Confirm a buyer's liquidity plan and intended hold period before allocating money to this contract.

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.

All crediting strategies

View rate listings (9 rows)

These are the current crediting strategy listings returned 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

10-yr surrender

Cap: 4% · 1-yr

S&P 500 Index

monthly_avg_cap

10-yr surrender

Cap: 4% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 2.75% · 1-yr

Fixed Account

fixed

10-yr surrender

Cap: 1.7% · 1-yr

S&P 500 Index

monthly_sum_cap

10-yr surrender

Cap: 4% · 1-yr

S&P 500 Index

Cap: 4% · 1-yr

S&P 500 Index

Fixed: 2.75% · 1-yr

Fixed Account

Cap: 1.7% · 1-yr

S&P 500 Index

Income riders

Income rider

Guaranteed Lifetime Withdrawal Benefit

RMD friendly
Lifetime withdrawal rate5.1%
Annual rider fee1.5%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age45 — 85
Joint availabilityJoint life

GLWB

Linked review

Income Navigator Annuity review notes

Atlantic Coast Income Navigator Indexed Annuity provides tax-deferred growth, premium bonuses, and lifetime income through optional riders.

5/5Read review
Nikhil Bhauwala

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

2

Nursing home waiver, Terminal illness waiver

Premium bonus

7%

Bonus terms can vary by state, premium band, and rider election.

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Strategy guarantee

Minimum guaranteed cap: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 1.00%

Strategy guarantee

Minimum guaranteed participation: 100.00%

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

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

Documents

brochure

ACLINABR-OT-111824.pdf

Confidence: highReviewed Apr 6, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestB

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Income Navigator Annuity currently shows 5 distinct indexed or fixed crediting choices across 9 current rate listings, including S&P 500 Index. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 4% cap
  • S&P 500 Index: 1.7% cap

Income rider language

What to look for before treating the rider as income

Guaranteed Lifetime Withdrawal Benefit is the main income-rider entry returned 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.

  • 5.1% withdrawal rate
  • 1.5% rider fee
  • RMD friendly
  • Joint life availability

Liquidity terms

Why access rules deserve as much attention as rates

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.

  • 10%/yr free withdrawal
  • 10 surrender years
  • Nursing home waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

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.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

Free Comparison Report

Get a personalized Income Navigator Annuity illustration

See year-by-year projections for your specific age, premium, and income goals.

Get Free Report

Related Resources