North American Company

Premium Bonus Options3%, 5%, or 7%

Fixed index annuity with premium bonuses up to 7% and market protection

Market Protection0% floor

Free WithdrawalsUp to 10% annually

Index Options7 index options

Best for: Investors seeking principal protection with growth potential who can commit fund...

Default

Guaranteed IncomePayments continue for life or fixed period, guaranteed

Guaranteed Income for Life

Seven Payout OptionsPeriod certain ranges from 5-20 years; survivor benefits up to 100% for joint options

Minimum Premium$25,000 minimum

Payment FlexibilityMonthly, quarterly, semi-annual, or annual options

Best for: Retirees who want to bridge income gaps before Social Security, reduce market ri...

Income Pay Pro

Guaranteed Lifetime Withdrawal Benefit (GLWB) Rider1.15% annual rider charge

Guaranteed lifetime income + growth potential

GLWB Roll-Up Rate8.00% guaranteed annual growth

Penalty-Free Withdrawals10% annual access

Indexed and Fixed Account Options8+ index options available

Best for: Retirees and near-retirees (ages 40-79) who want guaranteed lifetime income, pro...

Max Elite Accumulation 10

Premium Protection100% + 0% floor

Protected growth + market upside in one annuity

Index-Linked GrowthMultiple index options available

Tax-Deferred GrowthTax deferred until withdrawal

Flexible AllocationAnnual reallocation available

Best for: Investors aged 0–79 seeking downside protection with growth potential, who want ...

Max Elite Accumulation 10

Guarantee PeriodsMultiple options available

Fixed rates guaranteed for 3-10 years with tax-deferred growth

Minimum Premium$5,000

Rate EnhancementStarts at $100,000 premium

Health WaiversTerminal illness, confinement, and disability waivers

Best for: Conservative investors who want guaranteed growth, predictable returns, and tax ...

Max Elite Accumulation 5

Premium Protection0% floor

Protected growth. Market upside. Your choice.

Market-Linked Interest CreditsAnnual Point-to-Point crediting

Minimum Interest Credit (Optional)120% MIC, 0.40% annual charge

Return of Premium (Optional)Penalty-free access to net premium

Best for: People within 5-10 years of retirement or already retired who want downside prot...

Max Elite Accumulation 7

Premium Protection100% guaranteed

Protected growth with index upside potential

Index-Linked GrowthMarket-linked

Minimum Interest Credit (MIC)125% of premiums

Return of Premium100% of net premium

Best for: Investors nearing or in retirement who want their principal protected from marke...

NAC BenefitSolutions 10

Lifetime Guaranteed IncomeLifetime payments starting as early as age 50

Guaranteed Income + Long-Term Care Protection

Nursing Home Multiplier (LPA Multiplier)2x income for up to 5 years when confined

Benefit Base Floor120/150/180% benefit base guarantees

Rider Death BenefitGuaranteed legacy for heirs

Best for: Retirees and pre-retirees aged 40-79 seeking guaranteed lifetime income, protect...

NAC Control. X

Premium Protection100% premium protection + 0% floor

Protected growth with control. 0% floor, tax-deferred, flexible income.

Multiple Index StrategiesFixed account + 3 index options

Tax-Deferred GrowthDefer taxes until withdrawal

Penalty-Free Withdrawals10% annual penalty-free access

Best for: Retirees and pre-retirees who want downside protection from market volatility, t...

Guaranteed Interest Rate3 or 5-year options

NAC Guarantee Plus

Multi-Year Guaranteed

Guaranteed rates for 3-5 years with penalty-free access

Penalty-Free WithdrawalsUp to annual interest earned

Nursing Home WaiverAutomatically included at no cost

Renewal Options30-day free election window

Best for: Retirees and near-retirees who want to lock in guaranteed returns, preserve capi...

NAC Guaranteed Allocation

Model Blend AllocationsModel Blends A, B, C, D with varying equity/diversifier ratios

Diversified FIA with automated rebalancing & principal protection

Premium Protection100% premium protection with 0% floor

Guaranteed RatesGuaranteed through Year 5 (varies by state)

Tax-Deferred GrowthTax deferral on all interest credits

Best for: Investors aged 0–89 seeking diversified growth with principal protection, who pr...

NAC Max Elite Guarantee

Premium Protection100% principal guaranteed

Protected growth with market upside potential

Market-Linked InterestAnnual Point-to-Point with cap rates

Tax DeferralTax-deferred until withdrawal

Flexible StrategyMultiple crediting methods available

Best for: Individuals aged 0-79 seeking a balance between principal protection and growth ...

NAC VersaChoice 10

Index-based growth with downside protectionPotential growth with 0% floor in down markets

Growth + Flexibility + Downside Protection

Annual reset featureGuaranteed crediting each year

Multiple crediting strategiesFull control over growth approach

Enhanced Liquidity Benefit rider (optional)0.60% annual rider fee

Best for: Retirees and near-retirees age 0-79 who want growth potential tied to market per...

North American Charter Plus 10

Premium BonusUp to 19% total (10% base + 9% enhanced with optional rider)

Index-linked growth with downside protection

Index Crediting MethodsUp to 20 index account options available (Monthly/Annual/Two-year Point-to-Point with various rates)

Principal Protection0% downside in market downturns

Penalty-Free Withdrawals10% of accumulation value annually starting year 2

Best for: Pre-retirees and retirees seeking a balance between growth potential and princip...

North American Charter Plus 14

Premium BonusUp to 25% total (13% base + 12% enhanced with optional rider)

Growth + Protection with Up to 25% Bonus

Index Account OptionsUp to 20 index account options available

Downside Protection0% floor on market losses

Interest Credit ResetAnnual or 2-year reset depending on strategy chosen

Best for: Pre-retirees and retirees seeking growth potential with guaranteed downside prot...

North American Secure Horizon

Interest Credit Floor0% minimum interest credit per year

Index-linked growth with guaranteed floor protection

Multiple Crediting Methods4 core crediting options available

Penalty-Free Withdrawals7% annually after year 1

Surrender Charge Period10 years with state-dependent rates

Best for: This product is suitable for investors nearing or in retirement who want growth ...

North American Secure Horizon Accelerator

Premium Bonus12-13% depending on state

Market-linked growth with principal protection

Participation Rates8% to 390% depending on strategy and term length

Strategy Charge0.95% for enhanced strategies; no charge for standard options

Multiple Index Options4 distinct index strategies plus fixed account

Best for: Conservative to moderate investors seeking market-linked growth with principal p...

North American Secure Horizon Choice

Premium Protection100% protection from negative market performance

Protected growth with index-linked upside, no market downside risk

Index-Linked GrowthUpside participation without direct equity risk

Performance Strategy LadderAutomatic rebalancing with annual interest credit potential; $25,000 minimum

Flexible Crediting StrategiesCustomizable strategies matching your retirement timeline

Best for: Retirees and pre-retirees who want to grow savings with index-linked upside whil...

North American Secure Horizon Plus

Guaranteed Minimum Fixed Rate0.10%

Fixed Index Annuity with 20% Bonus + Retirement Benefits

Premium Bonus20%

Penalty-Free Withdrawals7% annually

Surrender Charge Period10 years, declining 9.00% to 1.00%

Best for: Individuals seeking tax-deferred growth with downside protection who want market...

Palladium MYG

Guarantee Period Selection3 to 10 years

Fixed Rates + Tax-Deferred Growth. Choose 3-10 Year Guarantees.

Rate EnhancementPremiums starting at $100,000

Penalty-Free Withdrawals10% annual limit (interest-only in NY year 1)

Tax-Deferred Growth365-day year compounding

Best for: Conservative investors nearing or in retirement who want guaranteed growth, pred...

Guarantee Period Options3-10 years

Palladium MYG

Multi-Year Guaranteed

Fixed rate guaranteed for 3-10 years with tax-deferred growth

Rate Enhancements$100,000+ minimum

Free Withdrawals10% annually

Tax DeferralTax-deferred growth

Best for: Conservative investors seeking guaranteed returns, predictable growth, and tax-d...

Palladium Match MYG

Guarantee Periods3, 5, 6, 7, or 10 years

Guaranteed growth with flexibility and choice

Fixed Interest RateDeclared at issue; minimum guaranteed rate for all contract years

Daily CompoundingDaily compounding

Tax-Deferred GrowthTax-deferred until withdrawal

Best for: Conservative investors seeking predictable, guaranteed growth over a defined per...

Performance Choice 8

Fixed AccountMinimum 0.25% guaranteed

Index-linked growth with guaranteed floor and flexible income options

Index Account Options0% floor on credits—no losses to index performance

Crediting MethodsCap rates 0.50%–4%, participation rates 5%–100%+

Penalty-Free Withdrawals10% annually penalty-free

Best for: Investors age 50+ seeking tax-deferred growth with a balance of market upside pa...

PrimePath Pro 10

Surrender Charge Period10 years (10% years 1-5, declining to 4% year 10)

Growth potential with downside protection plus lifetime income flexibility

Issue Ages40-79

Minimum Premium$20,000

Free Withdrawals7% of accumulation value

Best for: Individuals aged 40-79 seeking growth potential with principal protection, flexi...

PrimePath Pro 12

Principal Protection100% principal protection

Fixed index annuity with principal protection and lifetime income options

Index Growth Options8 different index crediting strategies

Benefit Base Roll-up2x weighted average interest credit

Lifetime Payment AmountsStarting at 3.5%-7% based on age

Best for: People approaching or in retirement who want principal protection with growth po...

Smart Start Accumulator Plus with Fee

Best Entry Window90-day window

Smart market entry + growth potential with principal protection

Premium EnhancementUp to 20%

Portfolio AllocationsConservative, Moderate, Aggressive

Principal Protection0% minimum

Best for: Growth-oriented investors who want market upside potential with principal protec...