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Fixed Indexed Annuity

NAC VersaChoice 10

North American Company

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10.1%

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 VersaChoice 10 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
$312,336
Est. value at age 80 (NAC VersaChoice 10)
10.1%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 10.1% Cap (Annual)
✦
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 VersaChoice 10's published cap rate (10.1% 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. Not a projection, quote, or guarantee. Live CANNEX rates as of July 15, 2026.

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See how NAC VersaChoice 10 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 VersaChoice 10

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.

S&P 500 annual cap rate

10.1% cap on S&P 500

A ten-year-surrender fixed indexed annuity from an A+ rated North American, built for accumulation through an S&P 500 annual point-to-point cap, an S&P 500 monthly-sum cap, and participation strategies on Morgan Stanley, Fidelity, S&P MARC, and Goldman Sachs proprietary indexes, with no income rider, no premium bonus, and a published annual free-withdrawal allowance.

1-year term10-year surrender$75,000+AdvisorWorld + CANNEX data

Best fit

Buyers committed to a ten-year FIA deferral who want a recognizable S&P 500 cap as their primary growth engine, value the flexibility to also use monthly-sum or participation crediting on the same contract, and do not need a guaranteed-lifetime-income rider.

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

10.1% cap rate

Annual cap

1-year term · 10-year surrender · $75,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

monthly sum cap

3% cap rate

Monthly sum

1-year term · 10-year surrender · $75,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

40% participation rate

Participation

1-year term · 10-year surrender · $75,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

55% participation rate

Participation

2-year term · 10-year surrender · $75,000+

Rate varies by premium band.

Fixed Account

Fixed Account

4.75% declared rate

Fixed account

1-year term · 10-year surrender · $75,000+

Rate varies by premium band.

+ 24 additional crediting options (Fidelity Multifactor, Morgan Stanley, S&P MARC...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Ten-year surrender paired with a competitive S&P 500 annual point-to-point cap — among the higher absolute S&P caps published in North American's accumulation-FIA lineup for this surrender length.
  • Strategy menu blends a recognizable S&P 500 annual cap, an S&P 500 monthly-sum cap, and participation strategies on proprietary volatility-controlled indexes — so buyers can pick the crediting mechanic (cap vs. monthly-sum vs. participation) that best fits their market view.
  • Published annual free-withdrawal allowance is shown on the page alongside the ten-year surrender ladder, so penalty-free liquidity is explicit rather than buried in the brochure.
  • Carrier financial-strength is rated by more than one agency on this page, so the strength view is not a single-source read.

What to confirm

  • This contract is NOT a guaranteed-lifetime-withdrawal product. The income-rider list on the live feed is empty and there is no PIV income mechanism — do not compare its lifetime-payout potential side-by-side with rider-led income FIAs.
  • The S&P 500 monthly-sum cap on this contract is sometimes marketed as if it were directly comparable to the annual cap; it is not. A monthly-sum cap caps each month's gain but does not cap monthly losses, so it can underperform an annual cap in years with mid-year volatility. Treat the annual point-to-point cap, not the monthly-sum cap, as the headline.
  • The higher participation rates on this contract sit on proprietary volatility-controlled indexes (Morgan Stanley Dynamic Global, Fidelity Multifactor Yield, S&P MARC, Goldman Sachs Equity TimeX) — 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.
  • There is no premium bonus and no death-benefit roll-up on this contract — the death benefit is the standard accumulation contract value. The ten-year surrender does not buy you a bonus to offset the long lock-up.

Not ideal for

Buyers who need a GLWB income rider, want a shorter surrender commitment, expect a premium bonus to offset the long surrender term, or want a death-benefit roll-up — those are not what this contract is built to deliver.

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All crediting strategies

View rate listings (34 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: 210% · 1-yr

Morgan Stanley Dynamic Global Index

Strategy Fee Included · participation

10-yr surrender$75,000+

Par: 195% · 1-yr

Fidelity Multifactor Yield Index 5% ER

Strategy Fee Included · participation

10-yr surrender$75,000+

Par: 165% · 1-yr

S&P MARC 5% Excess Return

participation

10-yr surrender$75,000+

Par: 165% · 1-yr

Morgan Stanley Dynamic Global Index

participation

10-yr surrender$75,000+

Par: 155% · 1-yr

Fidelity Multifactor Yield Index 5% ER

participation

10-yr surrender$75,000+

Par: 80% · 1-yr

Goldman Sachs Equity TimeX Index

participation

10-yr surrender$75,000+

Par: 40% · 1-yr

S&P 500 Index

participation

10-yr surrender$75,000+

Cap: 10.1% · 1-yr

S&P 500 Index

cap

10-yr surrender$75,000+

Fixed: 4.75% · 1-yr

Fixed Account

fixed

10-yr surrender$75,000+

Cap: 3% · 1-yr

S&P 500 Index

monthly_sum_cap

10-yr surrender$75,000+

Par: 290% · 2-yr

Morgan Stanley Dynamic Global Index

Strategy Fee Included · participation

10-yr surrender$75,000+

Par: 275% · 2-yr

Fidelity Multifactor Yield Index 5% ER

Strategy Fee Included · participation

10-yr surrender$75,000+

Par: 230% · 2-yr

Morgan Stanley Dynamic Global Index

participation

10-yr surrender$75,000+

Par: 225% · 2-yr

S&P MARC 5% Excess Return

participation

10-yr surrender$75,000+

Par: 225% · 2-yr

Fidelity Multifactor Yield Index 5% ER

participation

10-yr surrender$75,000+

Par: 120% · 2-yr

Goldman Sachs Equity TimeX Index

participation

10-yr surrender$75,000+

Par: 55% · 2-yr

S&P 500 Index

participation

10-yr surrender$75,000+

Par: 195% · 1-yr

Morgan Stanley Dynamic Global Index

Strategy Fee Included · participation

10-yr surrenderUp to $74,999.99

Par: 180% · 1-yr

Fidelity Multifactor Yield Index 5% ER

Strategy Fee Included · participation

10-yr surrenderUp to $74,999.99

Par: 140% · 1-yr

S&P MARC 5% Excess Return

participation

10-yr surrenderUp to $74,999.99

Par: 140% · 1-yr

Morgan Stanley Dynamic Global Index

participation

10-yr surrenderUp to $74,999.99

Par: 130% · 1-yr

Fidelity Multifactor Yield Index 5% ER

participation

10-yr surrenderUp to $74,999.99

Par: 70% · 1-yr

Goldman Sachs Equity TimeX Index

participation

10-yr surrenderUp to $74,999.99

Par: 35% · 1-yr

S&P 500 Index

participation

10-yr surrenderUp to $74,999.99

Cap: 9.1% · 1-yr

S&P 500 Index

cap

10-yr surrenderUp to $74,999.99

Fixed: 4.5% · 1-yr

Fixed Account

fixed

10-yr surrenderUp to $74,999.99

Cap: 2.7% · 1-yr

S&P 500 Index

monthly_sum_cap

10-yr surrenderUp to $74,999.99

Par: 265% · 2-yr

Morgan Stanley Dynamic Global Index

Strategy Fee Included · participation

10-yr surrenderUp to $74,999.99

Par: 250% · 2-yr

Fidelity Multifactor Yield Index 5% ER

Strategy Fee Included · participation

10-yr surrenderUp to $74,999.99

Par: 205% · 2-yr

Morgan Stanley Dynamic Global Index

participation

10-yr surrenderUp to $74,999.99

Par: 200% · 2-yr

S&P MARC 5% Excess Return

participation

10-yr surrenderUp to $74,999.99

Par: 200% · 2-yr

Fidelity Multifactor Yield Index 5% ER

participation

10-yr surrenderUp to $74,999.99

Par: 105% · 2-yr

Goldman Sachs Equity TimeX Index

participation

10-yr surrenderUp to $74,999.99

Par: 50% · 2-yr

S&P 500 Index

participation

10-yr surrenderUp to $74,999.99

Accumulation profile

Accumulation-focused contract

Current CANNEX product data marks this filing as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Common questions about NAC VersaChoice 10

● Can I lose money in NAC VersaChoice 10?

A negative index return by itself does not reduce the contract's account value: NAC VersaChoice 10 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.

● 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 VersaChoice 10's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current NAC VersaChoice 10 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.

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

0.25%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

5.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

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%

Documents

product guide

26351Z - NAC VersaChoice 10 Brochure.pdf

Confidence: highReviewed Apr 9, 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 VersaChoice 10 currently shows 34 indexed or fixed crediting options, including S&P 500 Index, with 24 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: 10.1% annual cap
  • S&P 500 Index: 3% monthly cap
  • S&P 500 Index: 9.1% annual cap
  • S&P 500 Index: 2.7% monthly cap

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

Verification note

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

Carrier materials such as 26351Z - NAC VersaChoice 10 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

Free Comparison Report

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See how NAC VersaChoice 10 compares for your age, state, premium, and income goals alongside other North American Company fixed indexed annuity options.

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