NAC VersaChoice 10
North American Company
8.8%
Best Cap
10%
Free W/D
50
States
NAC VersaChoice 10 is a fixed index annuity that lets your money grow based on market performance without the downside risk of stock market losses. It's designed for people who want retirement income growth with built-in flexibility and the optional ability to access funds when life happens.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$20,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Fidelity Multifactor Yield Index 5% ER | 2-Year | -- | 250% | -- |
| Fidelity Multifactor Yield Index 5% ER | Annual | -- | 100% | -- |
| Goldman Sachs Equity TimeX Index | 2-Year | -- | 75% | -- |
| Goldman Sachs Equity TimeX Index | Annual | -- | 55% | -- |
| Morgan Stanley Dynamic Global Index | 2-Year | -- | 250% | -- |
| Morgan Stanley Dynamic Global Index | Annual | -- | 105% | -- |
| S&P 500 Index | 2-Year | -- | 35% | -- |
| S&P 500 Index | Annual | 8.8% | 100% | -- |
| S&P 500 Index | Monthly | 1.9% | 100% | -- |
| S&P MARC 5% Excess Return | 2-Year | -- | 175% | -- |
| S&P MARC 5% Excess Return | Annual | -- | 95% | -- |
| Fixed Account | Daily | -- | -- | 2.85% |
Key Features
Index-based growth with downside protection
Potential growth with 0% floor in down marketsYour money earns interest based on market index performance during good times, but your premium won't decrease if the market drops
Annual reset feature
Guaranteed crediting each yearInterest credits are locked in and added to your account each contract anniversary, protecting gains from future market downturns
Multiple crediting strategies
Full control over growth approachChoose from 7 different crediting methods including fixed, cap-rate, participation rate, and enhanced participation options
Enhanced Liquidity Benefit rider (optional)
0.60% annual rider feeFor a 0.60% annual fee, access up to 20% of your money penalty-free each year, plus waived surrender charges and enhanced income if you need long-term care
Penalty-free withdrawal
10-20% annual accessBase contract allows 10% annual penalty-free withdrawals; ELB rider increases this to 20%
Tax-deferred growth
Deferred taxation until withdrawalYour account value grows without annual tax impact, allowing more time for compounding
Flexible payout options
5 to 20 year terms availableChoose from income for a specified period, life income options, or joint survivor arrangements
Highlights
Fixed index annuity with optional enhanced liquidity rider for penalty-free access to up to 20% of your money each year
Multiple index strategies and crediting methods let you choose your own growth approach
Interest credits lock in every contract anniversary—gains can't be lost to market downturns
ADL-based benefits provide waived surrender charges and enhanced income if you need long-term care
Tax-deferred growth with flexible payout options and death benefits for your beneficiaries
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%
Best For
Retirees and near-retirees age 0-79 who want growth potential tied to market performance but need downside protection, flexibility to access funds, and tax-deferred accumulation—particularly those concerned about long-term care costs who would benefit from the optional ELB rider.
Consider Alternatives If
Investors seeking direct stock market exposure, people who need immediate full access to their money without penalties, or those in lower tax brackets who may not benefit from tax deferral.
Carrier Ratings
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