Max Elite Accumulation 7
North American Company
11.75%
Best Cap
10%
Free W/D
49
States
Max Elite Accumulation 7 is a fixed index annuity that protects your premium while offering growth potential tied to S&P 500 index performance. It's designed for investors seeking guaranteed protection with upside opportunity during the accumulation phase.
Free Withdrawal
10%/yr
Available In
49 states
Min Premium
$20,000
Surrender
7 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| S&P 500 Dynamic Intraday TCA Index (USD) ER | Annual | 11.75% | 100% | -- |
| S&P 500 Index | Annual | 8.4% | 100% | -- |
| Fixed Account | Daily | -- | -- | 3.8% |
Key Features
Premium Protection
100% guaranteed100% of your premium is protected from market downturns with a 0% floor
Index-Linked Growth
Market-linkedPotential to earn interest credits based on S&P 500 or S&P 500 Dynamic Intraday TCA Index performance
Minimum Interest Credit (MIC)
125% of premiumsOptional rider that guarantees your accumulation will be at least 125% of premiums paid at end of surrender period
Return of Premium
100% of net premiumOptional rider allows you to withdraw your net premium at any time after contract issue without penalty
Tax Deferral
Full tax deferralInterest earnings grow tax-deferred until you withdraw funds
Penalty-Free Withdrawals
10% annuallyAccess up to 10% of beginning-of-year accumulation value annually without surrender charges
Surrender Charges
8% Year 1, declining to 0% Year 8+Decreasing charges over 7 years if you withdraw more than the penalty-free amount
Highlights
100% premium protection with 0% floor during market downturns—no risk of losing your initial investment due to market losses
Market-linked growth potential through S&P 500 index strategies while maintaining downside protection
Optional Enhanced Benefits Rider provides guaranteed 125% minimum interest credit and return of premium feature for added security
Tax-deferred growth means more of your money compounds without annual tax drag
Flexible allocation between fixed and indexed accounts with ability to transfer annually
Surrender Schedule
Yr 1
8%
Yr 2
7%
Yr 3
6%
Yr 4
5%
Yr 5
4%
Yr 6
3%
Yr 7
2%
After
0%
Nursing home waiver
Best For
Investors nearing or in retirement who want their principal protected from market losses while maintaining upside growth potential, and who can commit funds for 7+ years.
Consider Alternatives If
Investors who need immediate or frequent access to funds, expect high returns, or believe the stock market will significantly outperform—and those unwilling to accept limited index participation due to caps or participation rates.
Carrier Ratings
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