NAC BenefitSolutions 10
North American Company
5%
Best Cap
5%
Free W/D
50
States
A fixed index annuity that combines guaranteed lifetime income with the potential for market-linked growth, plus additional benefits for long-term care needs and legacy planning. Designed for retirees seeking income they can't outlive with protection against market downturns.
Free Withdrawal
5%/yr
Available In
50 states
Min Premium
$20,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Barclays Transitions 12% Index | 2-Year | -- | 70% | -- |
| Barclays Transitions 12% Index | Annual | -- | 45% | -- |
| Barclays Transitions 6% Index | 2-Year | -- | 140% | -- |
| Barclays Transitions 6% Index | Annual | -- | 90% | -- |
| Fidelity Multifactor Yield Index 5% ER | 2-Year | -- | 145% | -- |
| Fidelity Multifactor Yield Index 5% ER | Annual | -- | 100% | -- |
| Goldman Sachs Equity TimeX Index | 2-Year | -- | 75% | -- |
| Goldman Sachs Equity TimeX Index | Annual | -- | 50% | -- |
| Morgan Stanley Dynamic Global Index | 2-Year | -- | 145% | -- |
| Morgan Stanley Dynamic Global Index | Annual | -- | 100% | -- |
| S&P 500 Index | 2-Year | -- | 35% | -- |
| S&P 500 Index | Annual | 5% | 100% | -- |
| S&P 500 Index | Monthly | 1.85% | 100% | -- |
| S&P MARC 5% Excess Return | 2-Year | -- | 135% | -- |
| S&P MARC 5% Excess Return | Annual | -- | 90% | -- |
| Fixed Account | Daily | -- | -- | 2.3% |
Key Features
Lifetime Guaranteed Income
Lifetime payments starting as early as age 50Receive guaranteed monthly or annual payments for life, regardless of how long you live, based on your benefit base and age at election.
Nursing Home Multiplier (LPA Multiplier)
2x income for up to 5 years when confinedIf confined to a qualified care center for 90+ consecutive days, your lifetime payment amount doubles for up to 5 years to help cover care expenses.
Benefit Base Floor
120/150/180% benefit base guaranteesYour benefit base is guaranteed to be at least 120% of premium in years 1-5, 150% in years 6-10, and 180% in years 11+, providing a strong foundation for lifetime payments.
Rider Death Benefit
Guaranteed legacy for heirsIf you pass away after the second contract anniversary, your beneficiaries receive the lesser of your benefit base or death benefit maximum in five equal annual payments.
Market-Linked Growth Options
Growth potential without market loss riskChoose from multiple crediting methods tied to market indices (S&P 500, Barclays Transitions, Fidelity, Goldman Sachs, Morgan Stanley) with downside protection—losses capped at zero.
Fixed Account Option
Guaranteed returns availableAllocate premium to a fixed account earning a guaranteed interest rate, renewed annually but never below the contract minimum.
Tax-Deferred Growth
Defer taxes until withdrawalYour account value grows without annual tax obligations, allowing more capital to compound over time.
Penalty-Free Withdrawals
5-10% annual access without penaltyAfter year 1, withdraw up to 5% of accumulation value annually penalty-free; after year 2, up to 10% if no prior withdrawals were taken.
Nursing Home Confinement Waiver
Full access if long-term care neededWithdraw up to 100% of accumulation value without surrender charges if confined to a qualified care facility after the first contract year.
Highlights
Guaranteed lifetime income you can't outlive, with growth potential from market-linked returns
Nursing home multiplier doubles your lifetime payments for up to 5 years if confined to qualified care
Benefit base floor that steps up to 120%, 150%, then 180% of premium, providing strong income guarantees
Rider death benefit ensures your beneficiaries receive payments even if you pass away early
Downside protection—your principal is guaranteed safe from market losses
Surrender Schedule
Yr 1
10%
Yr 2
10%
Yr 3
9%
Yr 4
9%
Yr 5
8%
Yr 6
8%
Yr 7
7%
Yr 8
6%
Yr 9
4%
Yr 10
2%
After
0%
Nursing home waiver, RMD waiver
Best For
Retirees and pre-retirees aged 40-79 seeking guaranteed lifetime income, protection against market downturns, and built-in long-term care support, with a minimum $20,000 single premium.
Consider Alternatives If
Investors needing high current liquidity, those uncomfortable with surrender charges, or anyone uncomfortable locking in guaranteed income in exchange for lifetime security.
Carrier Ratings
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