Max Elite Accumulation 10
North American Company
11.5%
Best Cap
10%
Free W/D
49
States
Max Elite Accumulation 10 is a fixed index annuity that protects your principal while offering upside growth potential linked to the S&P 500 index. It's designed for investors who want market exposure without downside risk and value tax-deferred growth.
Free Withdrawal
10%/yr
Available In
49 states
Min Premium
$20,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| S&P 500 Dynamic Intraday TCA Index (USD) ER | Annual | 11.5% | 100% | -- |
| S&P 500 Index | Annual | 8.15% | 100% | -- |
| Fixed Account | Daily | -- | -- | 3.85% |
Key Features
Premium Protection
100% + 0% floorYour annuity guarantees 100% of your premium is protected with a 0% floor during market downturns. There is no risk of losing your initial investment due to market volatility.
Index-Linked Growth
Multiple index options availableEarn interest based on positive performance of the S&P 500 or S&P 500 Dynamic Intraday TCA Index, subject to an annual cap rate or declared rate.
Tax-Deferred Growth
Tax deferred until withdrawalIncome tax is not owed on interest earnings until funds are accessed, allowing more time for compound growth.
Flexible Allocation
Annual reallocation availableChoose how to split your premium between a fixed account and multiple index account options based on your risk tolerance.
Penalty-Free Withdrawals
10% annual penalty-freeAccess up to 10% of your beginning-of-year accumulation value annually without surrender charges or market value adjustments.
Death Benefit
100% accumulation value guaranteeYour beneficiary receives your full accumulation value or minimum surrender value, whichever is greater.
Nursing Home Waiver
Automatic inclusion (state dependent)After the first contract anniversary, withdraw 100% penalty-free if confined to a qualified nursing care facility.
Highlights
100% premium protection with 0% floor during market downturns—your principal is never at risk
Growth potential tied to S&P 500 index performance with annual point-to-point crediting methods
Tax-deferred growth means interest earnings aren't taxed until you access funds
Flexible allocation between fixed and index accounts with multiple crediting strategy options
Penalty-free annual withdrawals of up to 10% starting in year one
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
Yr 8
2%
Yr 9
1%
Yr 10
0.5%
After
0%
Nursing home waiver
Best For
Investors aged 0–79 seeking downside protection with growth potential, who want tax deferral, and prefer not to bear market risk—particularly those with at least $20,000 to invest.
Consider Alternatives If
Investors who need immediate access to funds or frequent withdrawals, as early surrenders outside the penalty-free amount result in significant charges and potential loss of principal.
Carrier Ratings
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