Income Navigator at a Glance

• Type: Fixed Indexed Annuity (FIA) with optional lifetime income rider (GLWB)
• Primary goals: Growth with principal protection + structured lifetime income potential
• Standout income features: 7% premium bonus and 7% roll-up for 10 years (applied to income-base features, per contract rules)
• Liquidity: Typically allows up to 10% penalty-free withdrawals annually starting in year two (contract rules apply)
• Taxes: Earnings generally grow tax-deferred until withdrawn

Why This Annuity Exists

Many people hit a point where “more growth” isn’t the real problem—reliable income is. The Income Navigator is built for that transition. You can use it as a planning tool to:

• Grow a retirement bucket without market-loss risk to principal.
• Create future income using a rule-based benefit (not dependent on timing the market).
• Build predictability for expenses like housing, healthcare, travel, and basic lifestyle needs.

How the Income Benefits Work (Simple Explanation)

With many retirement annuities, there are two “tracks” to understand:

• Account value: This is the real money value that can potentially be withdrawn (subject to surrender rules).
• Income base: This is a separate calculation used to determine future guaranteed income if you add the income rider and turn income on later.

The Income Navigator’s headline features—7% premium bonus and a 7% roll-up rate for 10 years—are designed to strengthen the income base so you have a more powerful starting point for future income calculations.

7% Premium Bonus (Income Planning Boost)

The 7% premium bonus is applied at the start. For many buyers, the goal is to “jump start” the income calculation—so your future income potential is based on a larger figure than premium alone.

Important planning note: Bonuses are typically tied to income-base features and may have rules, holding requirements, or surrender considerations. We’ll show you exactly how it applies in your illustration.

7% Roll-Up Rate for 10 Years

The 7% roll-up means the income base can grow at a stated rate for up to 10 years (or until income begins, depending on rider rules). This can help you build a stronger future income figure even if you’re not ready to start withdrawals right away.

This is especially useful if you’re planning income in a specific window—like “turn on income at 67,” “wait until 70,” or “start when my pension ends.”

Market Participation with Downside Protection

The Income Navigator uses indexing strategies to credit interest. You may benefit from positive market-linked performance (as defined by the strategy you choose), while the annuity is designed so your principal isn’t reduced by market losses.

That means you can pursue a more growth-oriented plan than a traditional fixed rate—without taking the full risk of direct market investing.

How Index Crediting Typically Works

• You select an index strategy (or multiple strategies) inside the contract.
• Each crediting period, interest may be credited based on the strategy formula.
• The formula can include items like caps, participation rates, or spreads.
• If the index is negative for the period, the credited interest for that strategy is often 0% (not negative), which helps protect principal from market downturns.

Tax-Deferred Compounding

Your earnings grow tax-deferred inside the annuity. That means you don’t pay taxes on credited interest each year (for non-qualified funds). Instead, taxes are generally due when you take withdrawals—helping more of your money remain in the contract and potentially compound over time.

Liquidity and Access to Funds

Even though this is designed as a long-term income strategy, it still includes flexibility. Starting in year two, you can typically take up to 10% of your contract value annually without surrender charges. This can help with one-time needs like emergency expenses, home repairs, or bridging a temporary income gap.

Planning caution: If you elect the GLWB rider, withdrawals above the rider’s rules can reduce future guaranteed income. This is why we help clients plan withdrawals intentionally rather than “guessing” later.

Guaranteed Lifetime Income with the GLWB Rider

The Guaranteed Lifetime Withdrawal Benefit (GLWB) Rider is the feature that turns this from “growth with protection” into a true retirement income tool.

• You decide when to activate income (often after a waiting/roll-up period).
• Your lifetime income amount is calculated using the income base and your age (and rider payout factors).
• You can receive income for life—even if the account value reaches zero—as long as rider rules are followed.

This helps hedge two major retirement risks: sequence-of-returns risk and longevity risk (outliving your money).

Who This Annuity May Be a Good Fit For

• Pre-retirees who want to lock in an income plan for a future start date.
• Retirees who want predictable income that isn’t dependent on market timing.
• Conservative investors who want principal protection but still want growth potential.
• People building an “income floor” to cover essential monthly expenses.

Common Questions We Help You Solve Before You Buy

• When should I start income? Earlier income may increase predictability; later income may increase the payout base.
• How much should I allocate? Many clients use annuities to cover “needs,” not their entire portfolio.
• How should I structure beneficiaries? You can align the contract with legacy goals while still focusing on income.
• How does this compare to other bonus/roll-up FIAs? We run side-by-side comparisons so you can evaluate tradeoffs clearly.

Why Work With Diversified Insurance Brokers

Choosing an income annuity isn’t just about the headline bonus or roll-up rate—it’s about how the contract behaves over time based on your withdrawal plans, tax situation, and retirement timeline. Our advisors help you compare the Income Navigator to similar income-focused annuities, model different start dates, and avoid common mistakes that can reduce benefits.

• Independent comparison: We compare multiple carriers—not just one option.
• Income-first planning: We focus on building a realistic income plan, not just “growth projections.”
• Clear tradeoffs: We explain surrender schedules, rider rules, and liquidity in plain language.
• Nationwide help: Licensed across the U.S. with support for rollovers and transfers.

Note: Product features, rider rules, caps/participation rates, and bonus terms can change. Your personalized illustration will reflect the terms available at the time of application.