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Fixed Indexed Annuity

NAC VersaChoice 10 — North American

North American

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10.1%

Best S&P 500 Annual Cap

10%

Free W/D

50

Available jurisdictions

Product data status: October 2, 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 strategies and liquidity scenarios. Negative index performance does not produce a negative index credit. Fees, withdrawals and surrender charges can reduce contract value.

Product analyzer
Illustrative — live CANNEX rates as of October 2, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$312,336
Gross crediting illustration at age 80 (NAC VersaChoice 10)
Excludes the 0.6% current Enhanced Liquidity Benefit Rider charge. This is not a net contract value.
10.1%
Best S&P 500 1-yr point-to-point cap

Gross crediting illustration for each line; excludes the 0.6% current Enhanced Liquidity Benefit Rider charge.

S&P 500 Index — 10.1% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down index year has 0% index credit before rider charges. This illustration deducts no rider charge and is not a net contract value. 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. Gross crediting only: this illustration excludes the 0.6% current Enhanced Liquidity Benefit Rider charge reported in the source. The supplied charge data does not establish a deduction frequency or basis. This charge is not deducted, and no net contract value is shown. Not a projection, quote, or guarantee. Live CANNEX rates as of October 2, 2026.

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 fixed indexed annuity options.

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rate data

Run numbers for NAC VersaChoice 10

rates, riders, crediting strategies, state availability, and contract facts stay scoped to this North American product.

Live product data

Rates as of October 2, 2026, from AdvisorWorld and CANNEX.

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 strategy, 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

Rate effective Jun 18, 2026

Annual point-to-point

Requested state: TX

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

S&P 500

S&P 500 Index

3% cap rate

Rate effective Jun 18, 2026

Monthly sum

Requested state: TX

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

S&P 500

S&P 500 Index

40% participation rate

Rate effective Jun 18, 2026

Annual point-to-point

Requested state: TX

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

S&P 500

S&P 500 Index

55% participation rate

Rate effective Jun 18, 2026

2-year point-to-point

Requested state: TX

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

Fixed Account

Fixed Account

4.75% declared rate

Rate effective Jun 18, 2026

Fixed account

Requested state: TX

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

+ 16 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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See how NAC VersaChoice 10 compares for your age, state, premium, and income goals alongside other North American fixed indexed annuity options.

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All crediting strategies

View rate listings (34 strategies)

These listings show published strategy details and any available rates. 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 · Point-to-point · 0.95% annual strategy fee

Requested state: TXRate effective Jun 18, 202610-yr surrender$75,000+

Par: 210% · 1-yr

Morgan Stanley Dynamic Global Index

Strategy Fee Included · Point-to-point

Requested state: TX10-yr surrender$75,000+

Par: 195% · 1-yr

Fidelity Multifactor Yield Index 5% ER

Strategy Fee Included · Point-to-point · 0.95% annual strategy fee

Requested state: TXRate effective Jun 18, 202610-yr surrender$75,000+

Par: 195% · 1-yr

Fidelity Multifactor Yield Index 5% ER

Strategy Fee Included · Point-to-point

Requested state: TX10-yr surrender$75,000+

Par: 165% · 1-yr

S&P MARC 5% Excess Return

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jun 18, 202610-yr surrender$75,000+

Par: 165% · 1-yr

Morgan Stanley Dynamic Global Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jun 18, 202610-yr surrender$75,000+

Par: 165% · 1-yr

S&P MARC 5% Excess Return

Point-to-point

Requested state: TX10-yr surrender$75,000+

Par: 165% · 1-yr

Morgan Stanley Dynamic Global Index

Point-to-point

Requested state: TX10-yr surrender$75,000+

Par: 155% · 1-yr

Fidelity Multifactor Yield Index 5% ER

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jun 18, 202610-yr surrender$75,000+

Par: 155% · 1-yr

Fidelity Multifactor Yield Index 5% ER

Point-to-point

Requested state: TX10-yr surrender$75,000+

Par: 80% · 1-yr

Goldman Sachs Equity TimeX Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jun 18, 202610-yr surrender$75,000+

Par: 80% · 1-yr

Goldman Sachs Equity TimeX Index

Point-to-point

Requested state: TX10-yr surrender$75,000+

Par: 40% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jun 18, 202610-yr surrender$75,000+

Par: 40% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX10-yr surrender$75,000+

Cap: 10.1% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jun 18, 202610-yr surrender$75,000+

Cap: 10.1% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX10-yr surrender$75,000+

Fixed: 4.75% · 1-yr

Fixed Account

Fixed account · 0% annual strategy fee

Requested state: TXRate effective Jun 18, 202610-yr surrender$75,000+

Fixed: 4.75% · 1-yr

Fixed Account

Fixed account

Requested state: TX10-yr surrender$75,000+

Cap: 3% · 1-yr

S&P 500 Index

Monthly sum · 0% annual strategy fee

Requested state: TXRate effective Jun 18, 202610-yr surrender$75,000+

Cap: 3% · 1-yr

S&P 500 Index

Monthly sum

Requested state: TX10-yr surrender$75,000+

Par: 290% · 2-yr

Morgan Stanley Dynamic Global Index

Strategy Fee Included · Point-to-point · 0.95% annual strategy fee

Requested state: TXRate effective Jun 18, 202610-yr surrender$75,000+

Par: 290% · 2-yr

Morgan Stanley Dynamic Global Index

Strategy Fee Included · Point-to-point

Requested state: TX10-yr surrender$75,000+

Par: 275% · 2-yr

Fidelity Multifactor Yield Index 5% ER

Strategy Fee Included · Point-to-point · 0.95% annual strategy fee

Requested state: TXRate effective Jun 18, 202610-yr surrender$75,000+

Par: 275% · 2-yr

Fidelity Multifactor Yield Index 5% ER

Strategy Fee Included · Point-to-point

Requested state: TX10-yr surrender$75,000+

Par: 230% · 2-yr

Morgan Stanley Dynamic Global Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jun 18, 202610-yr surrender$75,000+

Par: 230% · 2-yr

Morgan Stanley Dynamic Global Index

Point-to-point

Requested state: TX10-yr surrender$75,000+

Par: 225% · 2-yr

S&P MARC 5% Excess Return

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jun 18, 202610-yr surrender$75,000+

Par: 225% · 2-yr

Fidelity Multifactor Yield Index 5% ER

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jun 18, 202610-yr surrender$75,000+

Par: 225% · 2-yr

S&P MARC 5% Excess Return

Point-to-point

Requested state: TX10-yr surrender$75,000+

Par: 225% · 2-yr

Fidelity Multifactor Yield Index 5% ER

Point-to-point

Requested state: TX10-yr surrender$75,000+

Par: 120% · 2-yr

Goldman Sachs Equity TimeX Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jun 18, 202610-yr surrender$75,000+

Par: 120% · 2-yr

Goldman Sachs Equity TimeX Index

Point-to-point

Requested state: TX10-yr surrender$75,000+

Par: 55% · 2-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jun 18, 202610-yr surrender$75,000+

Par: 55% · 2-yr

S&P 500 Index

Point-to-point

Requested state: TX10-yr surrender$75,000+

Other contract riders and charges

Enhanced Liquidity Benefit Rider

Published rider charge: 0.6% (current). This charge is separate from strategy crediting rates. Confirm charge frequency and basis in the carrier contract.

Accumulation profile

Accumulation-focused contract

The CANNEX information identifies this product 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 published strategy fees, withdrawals, surrender charges, 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 available 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

Certain period, Joint life, Single life

Published payout options from the normalized contract facts.

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+
FitchA+
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 strategy variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 10.1% annual cap, 0% annual strategy fee
  • S&P 500 Index: 3% monthly cap, 0% annual strategy fee
  • S&P 500 Index: 10.1% annual cap
  • S&P 500 Index: 3% 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

Get a NAC VersaChoice 10 rate report

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

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