Max Elite Accumulation 5
North American Company
12%
Best Cap
10%
Free W/D
49
States
Max Elite Accumulation 5 is a fixed index annuity that protects your premium while offering upside growth potential tied to stock market indices. It's designed for people nearing or in retirement who want safety with growth opportunity.
Free Withdrawal
10%/yr
Available In
49 states
Min Premium
$20,000
Surrender
5 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| S&P 500 Dynamic Intraday TCA Index (USD) ER | Annual | 12% | 100% | -- |
| S&P 500 Index | Annual | 8.75% | 100% | -- |
| Fixed Account | Daily | -- | -- | 3.7% |
Key Features
Premium Protection
0% floorYour initial investment is 100% protected. If markets decline, your accumulation value won't decrease due to negative index performance.
Market-Linked Interest Credits
Annual Point-to-Point creditingEarn interest based on how well the S&P 500 or S&P 500 Dynamic Intraday TCA Index performs, subject to caps and rates you know upfront.
Minimum Interest Credit (Optional)
120% MIC, 0.40% annual chargeWith the Enhanced Benefits Rider, your balance is guaranteed to reach at least 120% of your premium by the end of year 5.
Return of Premium (Optional)
Penalty-free access to net premiumWith the Enhanced Benefits Rider, you can withdraw your full net premium anytime starting year 1, even if the market performs poorly.
Penalty-Free Withdrawals
10% annual free withdrawalAccess up to 10% of your year-beginning balance annually without surrender charges.
Tax Deferral
Tax-deferred growthInterest earnings aren't taxed until you withdraw, allowing more growth time.
Flexible Allocation
Annual transfers, no tax or penaltySplit your premium between a fixed account and multiple index strategies, and transfer annually.
Highlights
100% premium protection with 0% floor during market downturns—no risk of losing your initial investment
Market-linked growth potential through S&P 500 and dynamic index strategies with annual crediting
Optional Enhanced Benefits Rider adds guaranteed 120% minimum interest credit and return of premium feature
Tax-deferred growth means more money working for you until you need it
Flexible allocation between fixed and index accounts with annual transfer options
Surrender Schedule
Yr 1
8%
Yr 2
7%
Yr 3
6%
Yr 4
5%
Yr 5
4%
After
0%
Nursing home waiver
Best For
People within 5-10 years of retirement or already retired who want downside protection from market losses while maintaining growth potential and can commit funds for at least 5-6 years.
Consider Alternatives If
Those who need immediate liquidity, require higher income distributions, or want direct stock market exposure without protection caps.
Carrier Ratings
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