NAC Guaranteed Allocation
North American Company
12%
Best Cap
10%
Free W/D
50
States
NAC Guaranteed Allocation 5 is a fixed index annuity that offers preset diversified allocations (Model Blends) and automatic rebalancing to simplify portfolio management while protecting your principal from market losses. It's designed for investors seeking growth potential with downside protection.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$20,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| S&P 500 Dynamic Intraday TCA Index (USD) ER | Annual | -- | 50% | -- |
| S&P 500 Index | Annual | 12% | 100% | -- |
| S&P Commodity Risk Premia Diversifier TCA Index (USD) ER | Annual | -- | 90% | -- |
| S&P MARC 5% Excess Return | Annual | -- | 120% | -- |
| Fixed Account | Annual | -- | -- | -- |
| Fixed Account | Daily | -- | -- | 3.4% |
Key Features
Model Blend Allocations
Model Blends A, B, C, D with varying equity/diversifier ratiosFour preset combinations of S&P indices (from 40% to 100% equity exposure) that automatically rebalance each anniversary to maintain your target allocation
Premium Protection
100% premium protection with 0% floorYour initial premium is fully protected—the accumulation value cannot decrease due to negative index performance
Guaranteed Rates
Guaranteed through Year 5 (varies by state)All credited rates are locked in for the entire surrender charge period; after that, rates are declared annually
Tax-Deferred Growth
Tax deferral on all interest creditsInterest earnings accumulate tax-free until you withdraw funds, allowing more time for compounding
Penalty-Free Withdrawals
10% annual penalty-free accessWithdraw up to 10% of your beginning-of-year accumulation value annually without surrender charges or market value adjustments
Index Options
4 diversified index strategiesAllocations drawn from premier S&P indices including S&P 500, Dynamic Intraday TCA Index, Multi-Asset Risk Control 5% ER, and Commodity Risk Premia Diversifier
Highlights
Four pre-built Model Blend options with automatic annual rebalancing eliminate the complexity of choosing index allocations
100% premium protection with 0% floor—your money is safeguarded against market downturns with no risk of loss
Diversified exposure across multiple asset classes and indices within each blend, designed to balance growth and stability
Guaranteed rates locked in for the entire surrender charge period, providing predictable performance during the accumulation phase
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
Investors aged 0–89 seeking diversified growth with principal protection, who prefer hands-off portfolio management and are comfortable with a 5–6 year commitment.
Consider Alternatives If
Investors who need immediate full liquidity, prefer direct stock market exposure, or have a short time horizon within the surrender charge period.
Carrier Ratings
Free Comparison Report
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See year-by-year projections for your specific age, premium, and income goals.
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