Features
7% Premium Bonus
When you purchase your Income Navigator Annuity SM (ICC18-ACLIANPOL-OT, ACLIANPOL-XX) you will receive an automatic, one-time 7% Premium Bonus 2 that is immediately credited to your Accumulation Account. This gives you an opportunity to earn additional interest and funds that you can access subject to your vesting and surrender schedule. Additionally, when you purchase the Income Rider, the one-time 7% bonus is credited to the Income Account Value as well.
Policy Year
1
2 3 4
5 6
7 8 9 10 11+
Vesting
0% 0% 0% 0% 0% 10% 20% 40% 60% 80% 100%
Accessibility
Withdrawal Considerations
The Income Navigator Annuity SM offers several options to access your money without being subject to surrender charges or market value adjustments. For example: • During the first policy year, you can withdraw the interest earned on funds allocated to the fixed account or a Required Minimum Distribution. • After the first policy year, you can withdraw up to 10% of your contract value or Required Minimum Distribution, whichever is greater. • After the fifth policy year you can apply the vested value of the policy to purchase a settlement option to provide income.
You can take up to two withdrawals in a policy year as long as your accumulation value does not go below $2500. Withdrawals must be at least $250. Withdrawals other than as listed to the left are subject to applicable surrender charges, premium bonus vesting schedule, and Market Value Adjustments. Withdrawals may also be subject to taxes and penalties.
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.
Surrender Charges
If you surrender your policy or request withdrawals above a certain amount, there may be surrender charges. Please discuss the surrender charge schedule with your agent.
Policy Year 9 10 11+ Issue Age 0-57 12% 11% 10% 9% 8% 7% 6% 5% 4% 2% 0% Issue Age 58+ 9% 8.5% 7.5% 6.5% 5.5% 4.5% 3.5% 2.5% 1.5% 0.5% 0% 1 2 3 4 5 6 7 8
2 Please refer to the website product availability map or contact your agent for more details. Annuity and optional rider are not available in all states. Contact an agent or visit www.aclico.com for listings.
2
ACLIANBR-ICC 041323
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