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Fixed Indexed Annuity

NAC Control. X

North American Company

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9.5%

Best S&P 500 Annual Cap

10%

Free W/D

50

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 NAC Control. X 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
$278,908
Est. value at age 80 (NAC Control. X)
9.5%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 15% Cap (2-yr point-to-point)
✦
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 NAC Control. X's published cap rate (15% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years; 2-year credits are applied only at completed term anniversaries. Not a projection, quote, or guarantee. Live CANNEX rates as of July 15, 2026.

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See how NAC Control. X compares for your age, state, premium, and income goals alongside other North American Company fixed indexed annuity options.

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Live rate data

Run live numbers for NAC Control. X

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.

GLWB lifetime payout rate

3.25% lifetime payout + 4% roll-up

A ten-year-surrender fixed indexed annuity from an A+ rated North American with a real optional 'Total Control Rider' GLWB available in Level Income and Increasing Income flavors, a published annual free-withdrawal allowance, a nursing-home surrender waiver, and a mixed S&P 500 cap and Barclays Transitions participation menu underneath.

1.25% annual rider feeAdvisorWorld + CANNEX data

Best fit

Buyers committing to a ten-year surrender who want a contractually published lifetime-income payout rate from a real optional GLWB rider with a choice between flat and step-up income designs, backed by an A+ rated carrier.

AM Best

A+ Superior

Surrender period

10 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9.5% cap rate

Annual cap

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

40% participation rate

Participation

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

15% cap rate

Cap strategy

2-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

50% participation rate

Participation

2-year term · 10-year surrender · Does not vary by premium

Fixed Account

Fixed Account

4% declared rate

Fixed account

1-year term · 10-year surrender · Does not vary by premium

+ 4 additional crediting options (Barclays Transitions...)

Lifetime Income Riders

Income rider

Total Control Rider - Income

Lifetime payout rate3.25% lifetime payout
Annual rider fee1.25% annual rider fee
Guaranteed roll-up4%/yr
Interest multiplier2x interest multiplier

Income rider

Total Control Rider - Increasing Income

Lifetime payout rate2.05% lifetime payout
Annual rider fee1.25% annual rider fee
Guaranteed roll-up4%/yr
Interest multiplier2x interest multiplier

Product analyst notes

How to think about this contract

Why it can stand out

  • Lifetime income comes via a real optional 'Total Control Rider' GLWB available in two designs (Level Income and Increasing Income) with multiple issue-age tiers — so buyers can match both the rider design and the rider entry age to their own deferral horizon.
  • Published annual free-withdrawal allowance is shown on the page alongside a nursing-home surrender-charge waiver, so penalty-free liquidity and a named life-event exit are explicit inside the ten-year surrender window.
  • Carrier financial-strength is rated by more than one agency on this page, so the strength view sitting behind the lifetime-income guarantee is not a single-source read.
  • Underlying strategy menu posts a real S&P 500 annual point-to-point cap alongside participation strategies on Barclays Transitions proprietary indexes — providing both a recognizable like-for-like growth path and a higher-participation alternative to feed the account value behind the rider.

What to confirm

  • The Total Control Rider carries an explicit published annual fee charged against the income base, not the account value — effective cost rises as the income base outgrows the account value, so model the rider through deferral before committing.
  • The Level Income and Increasing Income variants publish meaningfully different withdrawal rates — the Increasing Income variant starts lower in exchange for index-linked step-ups. Compare both designs against your income-start timeline before electing.
  • The Barclays Transitions participation strategies are proprietary volatility-controlled indexes; their participation rates look strong in absolute terms but are not directly comparable to an S&P 500 cap — evaluate each strategy on its own merits.
  • The contract carries a ten-year surrender schedule starting in the high single digits in year one. Buyers who may need to exit the contract before electing lifetime income should price the early-exit cost against the rider value, since exiting forfeits the rider promise.

Not ideal for

Buyers who need short-surrender liquidity, a rider-fee-free income mechanism (a PIV chassis), a plain MYGA-style declared-rate guarantee without any optional rider, or a richer recognizable-index menu (the underlying index lineup here is narrower than on some sibling filings).

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See how NAC Control. X compares for your age, state, premium, and income goals alongside other North American Company fixed indexed annuity options.

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All crediting strategies

View rate listings (9 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.

Par: 150% · 1-yr

Barclays Transitions 6% Index

participation

10-yr surrenderDoes not vary by premium

Par: 80% · 1-yr

Barclays Transitions 12% Index

participation

10-yr surrenderDoes not vary by premium

Par: 40% · 1-yr

S&P 500 Index

participation

10-yr surrenderDoes not vary by premium

Cap: 9.5% · 1-yr

S&P 500 Index

cap

10-yr surrenderDoes not vary by premium

Fixed: 4% · 1-yr

Fixed Account

fixed

10-yr surrenderDoes not vary by premium

Par: 220% · 2-yr

Barclays Transitions 6% Index

participation

10-yr surrenderDoes not vary by premium

Par: 175% + Spread: 4% · 2-yr

Barclays Transitions 12% Index

participation

10-yr surrenderDoes not vary by premium

Par: 50% · 2-yr

S&P 500 Index

participation

10-yr surrenderDoes not vary by premium

Cap: 15% · 2-yr

S&P 500 Index

cap

10-yr surrenderDoes not vary by premium

Income riders

Income rider

Total Control Rider - Level Income

Lifetime withdrawal rate3.25%
Annual rider fee1.25%
Guaranteed roll-up4%/yr
Income multiplier2× multiplier
Deferral assumed10 years

GLWB

Income rider

Total Control Rider - Increasing Income

Lifetime withdrawal rate2.05%
Annual rider fee1.25%
Guaranteed roll-up4%/yr
Income multiplier2× multiplier
Deferral assumed10 years

GLWB

Common questions about NAC Control. X

● Can I lose money in NAC Control. X?

A negative index return by itself does not reduce the contract's account value: NAC Control. X 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.

● Is the Total Control Rider - Level Income income rider worth the 1.25% fee?

It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 4% roll-up and 3.25% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● 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 10 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 NAC Control. X's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current NAC Control. X 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.

Fixed account guarantee

0.10%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

5.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Maximum spread

30.00%

Maximum spread: 30.00%

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

9%

Yr 2

8.5%

Yr 3

7.5%

Yr 4

6.5%

Yr 5

5.5%

Yr 6

4.5%

Yr 7

3.5%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, Surrender waivers

Documents

brochure

36473Z - NAC Control. X 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

NAC Control. X currently shows 9 indexed or fixed crediting options, including S&P 500 Index, 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: 9.5% annual cap
  • S&P 500 Index: 40% annual participation rate
  • S&P 500 Index: 15% 2-year cap
  • S&P 500 Index: 50% 2-year participation rate

Income rider language

What to look for before treating the rider as income

Total Control Rider - Level Income is the main income-rider entry returned for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • 3.25% withdrawal rate
  • 1.25% rider fee
  • 10 deferral years

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
  • 10 surrender years
  • Nursing home waiver

Verification note

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

Carrier materials such as 36473Z - NAC Control. X 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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