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Fixed Indexed Annuity

Max Elite Accumulation 5

North American Company

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9.65%

Best S&P 500 Annual Cap

10%

Free W/D

49

Available jurisdictions

Product data status: July 15, 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.

Model this product

See what Max Elite Accumulation 5 would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of July 15, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$150,842
Est. value at age 80 (Max Elite Accumulation 5)
9.65%
Best S&P 500 1-yr point-to-point cap
S&P 500 Dynamic Intraday TCA Index (USD) ER — 13% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Max Elite Accumulation 5's published cap rate (13% on S&P 500 Dynamic Intraday TCA Index (USD) ER) to a calibrated proprietary/volatility-controlled hypothetical index path (~1.9%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 15, 2026.

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Live rate data

Run live numbers for Max Elite Accumulation 5

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this North American Company product.

Live product data

Rates as of July 15, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

9.65% cap on S&P 500

A five-year-surrender fixed indexed annuity from an A+ rated North American, built for short-window index-linked accumulation through annual point-to-point caps on the S&P 500 and a proprietary S&P 500 Dynamic Intraday TCA index, with no income rider, no premium bonus, and a published annual free-withdrawal allowance.

1-year term5-year surrender$100,000+AdvisorWorld + CANNEX data

Best fit

Buyers who want a short five-year FIA commitment focused purely on cap-based accumulation on recognizable and proprietary S&P 500-linked indexes, who do not need an income rider, and who value a clean cap-only strategy menu over a wider but more complex participation/monthly-sum design.

AM Best

A+ Superior

Surrender period

5 years

Free withdrawal

10%/yr

Availability

49 jurisdictions (excl. California, New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9.65% cap rate

Annual cap

1-year term · 5-year surrender · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

4.1% declared rate

Fixed account

1-year term · 5-year surrender · $100,000+

Rate varies by premium band.

+ 4 additional crediting options (S&P 500...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Five-year surrender — among the shortest FIA surrender schedules in the lineup, so a buyer's capital is committed for a relatively short window before the schedule fully releases.
  • Strategy menu is cap-only on the index side, with one annual point-to-point cap on the S&P 500 alongside one cap on a proprietary S&P 500 Dynamic Intraday TCA index — a clean comparable design without participation-rate or monthly-sum complications.
  • Published annual free-withdrawal allowance is shown on the page, so penalty-free liquidity inside the five-year surrender window is explicit rather than buried in the brochure.
  • Carrier financial-strength is rated by more than one agency on this page, so the strength view is not a single-source read.

What to confirm

  • This contract is NOT a guaranteed-lifetime-withdrawal product. The income-rider list on the live feed is empty and there is no PIV income mechanism — do not compare its lifetime-payout potential side-by-side with rider-led income FIAs.
  • The headline cap is on the recognizable S&P 500 index. The proprietary S&P 500 Dynamic Intraday TCA Index posts a slightly higher cap on this contract, but it is a volatility-controlled excess-return index and behaves differently from the underlying S&P 500 — evaluate each cap on its own historical merits, not just the absolute headline number.
  • There is no premium bonus on this contract and no death-benefit roll-up — the death benefit is the standard accumulation contract value. Buyers prioritizing a legacy step-up or a bonus to offset the surrender term should evaluate that separately.
  • Guaranteed-minimum cap and declared-rate floors on this contract are low (per the strategy-guarantee disclosures), so caps can reset down toward those floors over the five-year surrender term — the buyer carries renewal-rate risk over the term.

Not ideal for

Buyers who need a guaranteed lifetime-income rider, want a longer rate-lock window, expect a premium bonus or a death-benefit roll-up, or want a richer participation-rate or monthly-sum strategy menu — this contract is the cap-only short-surrender variant.

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All crediting strategies

View rate listings (8 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: 13% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

cap

5-yr surrender$100,000+

Cap: 9.65% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Cap: 7.25% + Declared: 2% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

cap

5-yr surrender$100,000+

Fixed: 4.1% · 1-yr

Fixed Account

fixed

5-yr surrender$100,000+

Cap: 12% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

cap

5-yr surrenderUp to $99,999.99

Cap: 8.65% · 1-yr

S&P 500 Index

cap

5-yr surrenderUp to $99,999.99

Cap: 6% + Declared: 2% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

cap

5-yr surrenderUp to $99,999.99

Fixed: 3.7% · 1-yr

Fixed Account

fixed

5-yr surrenderUp to $99,999.99

Accumulation profile

Accumulation-focused contract

Current CANNEX product data marks this filing as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Common questions about Max Elite Accumulation 5

● Can I lose money in Max Elite Accumulation 5?

A negative index return by itself does not reduce the contract's account value: Max Elite Accumulation 5 credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 5 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Max Elite Accumulation 5's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Max Elite Accumulation 5 strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

Key Features

Free withdrawal

10%/yr

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

Surrender waivers

1

Nursing home waiver

Death benefit

Accumulation Value DB

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

Cap-rate floor

0.25%

Minimum guaranteed cap for cap-based indexed strategies.

Declared-rate floor

0.10%

Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.

Fixed account guarantee

0.10%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

0.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

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

8%

Yr 2

7%

Yr 3

6%

Yr 4

5%

Yr 5

4%

After

0%

Nursing home waiver, Surrender waivers

Documents

product guide

37900Z - Max Elite Accumulation 5 brochure.pdf

Confidence: highReviewed Apr 8, 2026

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

Carrier Ratings

AM BestA+
S&PA+
S&PA+

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Max Elite Accumulation 5 currently shows 8 indexed or fixed crediting options, including S&P 500 Index and Fixed Account, with 4 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 9.65% annual cap
  • S&P 500 Index: 8.65% annual cap
  • Fixed Account: 4.1% fixed account rate
  • Fixed Account: 3.7% fixed account rate

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
  • 5 surrender years
  • Nursing home waiver

Verification note

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

Carrier materials such as 37900Z - Max Elite Accumulation 5 brochure.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 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

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