NAC Control. X
North American Company
12.5%
Best Cap
10%
Free W/D
50
States
NAC Control. X is a fixed index annuity that protects your retirement savings from market losses while offering growth potential tied to market indices. It's designed for retirees who want safety, tax-deferred growth, and flexibility to customize how their money is invested.
Free Withdrawal
10%/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 | -- | 120% | -- |
| Barclays Transitions 12% Index | Annual | -- | 65% | -- |
| Barclays Transitions 6% Index | 2-Year | -- | 185% | -- |
| Barclays Transitions 6% Index | Annual | -- | 120% | -- |
| S&P 500 Index | 2-Year | 12.5% | 100% | -- |
| S&P 500 Index | Annual | 8.5% | 100% | -- |
| Fixed Account | Daily | -- | -- | 3.5% |
Key Features
Premium Protection
100% premium protection + 0% floorYour initial investment is fully protected; you cannot lose principal due to market downturns
Multiple Index Strategies
Fixed account + 3 index optionsAllocate your premium across fixed accounts and indexed accounts tied to the S&P 500 and exclusive Barclays Transitions Indices
Tax-Deferred Growth
Defer taxes until withdrawalInterest earnings accumulate without immediate tax liability, giving more time for compound growth
Penalty-Free Withdrawals
10% annual penalty-free accessAccess up to 10% of your beginning-of-year accumulation value annually without surrender charges starting in year 2
Nursing Home Waiver
Automatic, no additional cost (varies by state)If confined to a nursing home after the first anniversary, withdraw 100% of your value without surrender charges
Death Benefit
100% of accumulation value or minimum surrender valueYour beneficiary receives your full accumulation value or minimum surrender value, whichever is greater
Highlights
100% premium protection with 0% floor during market downturns—your money is safe even when markets decline
Flexible allocation across fixed accounts and multiple index strategies, including exclusive Barclays Transitions Indices
Tax-deferred growth means more of your money works for you before taxes are due
Optional Total Control Rider gives you income flexibility to activate only what you need when you need it
Backed by A+ rated North American, a financially stable company with over a century of history
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
Best For
Retirees and pre-retirees who want downside protection from market volatility, tax-deferred growth, and flexible control over how their retirement savings are allocated across conservative and moderate growth strategies.
Consider Alternatives If
Investors who need immediate access to all funds without surrender charges, or those who prefer direct stock market exposure and can tolerate significant losses.
Carrier Ratings
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