Fixed Indexed Annuity

North American Charter Plus 10

North American Company

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5.75%

Best S&P 500 Annual Cap

10%

Free W/D

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 North American Charter Plus 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.

Premium$100,000

Your age60

Crediting strategy

Compare against

$244,283

Est. value at age 80 (North American Charter Plus 10)

5.75%

Best S&P 500 1-yr point-to-point cap

S&P 500 Index — 5.75% 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 North American Charter Plus 10's published cap rate (5.75% 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 North American Charter Plus 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 North American Charter Plus 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

5.75% cap on S&P 500

A ten-year-surrender fixed indexed annuity from an A+ rated North American with a published up-front premium bonus, an S&P 500 annual cap and monthly-sum cap, participation strategies on multiple proprietary indexes, a published annual free-withdrawal allowance, and a nursing-home surrender waiver, with no income rider.

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

Best fit

Buyers committed to a ten-year FIA deferral who want a premium-bonus-enhanced accumulation contract on a recognizable S&P 500 cap, value crediting flexibility (cap, monthly-sum, participation) inside the same filing, 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

Caps, participation rates, and declared rates are shown separately.

Featured rows use the selected state rate set. The full listing below labels the other CANNEX state-rate variants separately.

Index / strategyRate mechanicsCreditingSurrenderPremium

S&P 500

S&P 500 Index

5.75% cap rate

Annual cap

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

1-year term

10-year surrender

$75,000+

S&P 500

S&P 500 Index

monthly sum cap

1.25% cap rate

Monthly sum

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

1-year term

10-year surrender

$75,000+

S&P 500

S&P 500 Index

20% participation rate

Participation

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

1-year term

10-year surrender

$75,000+

S&P 500

S&P 500 Index

25% participation rate

Participation

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

2-year term

10-year surrender

$75,000+

Fixed Account

2.7% declared rate

Fixed account

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

1-year term

10-year surrender

$75,000+

+ 16 additional crediting options (Goldman Sachs, S&P MARC, Fidelity Multifactor...)

Product analyst notes

How to think about this contract

Why it can stand out

Published premium bonus credited up front, lifting the contract's account value from day one — visible as a 'Premium bonus' line item on the page, so it is not gated behind a sales brochure.
Strategy menu blends a recognizable S&P 500 annual point-to-point cap and a monthly-sum cap with participation strategies on proprietary volatility-controlled indexes (Morgan Stanley Dynamic Global, Fidelity Multifactor Yield, S&P MARC, Goldman Sachs Equity TimeX, Barclays Transitions) — buyers can pick the crediting mechanic that best fits their view.
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 both visible.
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.
Premium bonuses on bonus FIAs commonly come with vesting schedules and bonus recapture on early withdrawal — confirm the bonus vesting schedule on this contract with the carrier or brochure before assuming the full bonus is yours at issue. The ten-year surrender schedule sets the outer bound.
The S&P 500 monthly-sum cap on this contract is not directly comparable to the annual cap (a monthly-sum cap caps monthly gains but does not cap monthly losses). Treat the annual cap, not the monthly-sum cap, as the headline.
The higher participation rates here sit on 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.

Not ideal for

Buyers who need a GLWB income rider, want a shorter surrender commitment, cannot accept the bonus-vesting trade-off that typically accompanies premium-bonus FIAs, or want a non-bonus accumulation FIA with simpler crediting.

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See how North American Charter Plus 10 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 (63 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, state rate set, or rate type.

Par: 130% · 1-yr

Morgan Stanley Dynamic Global Index

Strategy Fee Included · participation

10-yr surrender$75,000+

Par: 120% · 1-yr

Fidelity Multifactor Yield Index 5% ER

Strategy Fee Included · participation

10-yr surrender$75,000+

Par: 80% · 1-yr

S&P MARC 5% Excess Return

participation

10-yr surrender$75,000+

Par: 80% · 1-yr

Fidelity Multifactor Yield Index 5% ER

participation

10-yr surrender$75,000+

Par: 80% · 1-yr

Morgan Stanley Dynamic Global Index

participation

10-yr surrender$75,000+

Par: 70% · 1-yr

Barclays Transitions 6% Index

participation

10-yr surrender$75,000+

Par: 35% · 1-yr

Goldman Sachs Equity TimeX Index

participation

10-yr surrender$75,000+

Par: 35% · 1-yr

Barclays Transitions 12% Index

participation

10-yr surrender$75,000+

Par: 20% · 1-yr

S&P 500 Index

participation

10-yr surrender$75,000+

Cap: 5.75% · 1-yr

S&P 500 Index

cap

10-yr surrender$75,000+

Fixed: 2.7% · 1-yr

Fixed Account

fixed

10-yr surrender$75,000+

Cap: 1.25% · 1-yr

S&P 500 Index

monthly_sum_cap

10-yr surrender$75,000+

Par: 180% · 2-yr

Fidelity Multifactor Yield Index 5% ER

Strategy Fee Included · participation

10-yr surrender$75,000+

Par: 180% · 2-yr

Morgan Stanley Dynamic Global Index

Strategy Fee Included · participation

10-yr surrender$75,000+

Par: 120% · 2-yr

Morgan Stanley Dynamic Global Index

participation

10-yr surrender$75,000+

Par: 120% · 2-yr

Barclays Transitions 6% Index

participation

10-yr surrender$75,000+

Par: 110% · 2-yr

S&P MARC 5% Excess Return

participation

10-yr surrender$75,000+

Par: 110% · 2-yr

Fidelity Multifactor Yield Index 5% ER

participation

10-yr surrender$75,000+

Par: 65% · 2-yr

Goldman Sachs Equity TimeX Index

participation

10-yr surrender$75,000+

Par: 55% · 2-yr

Barclays Transitions 12% Index

participation

10-yr surrender$75,000+

Par: 25% · 2-yr

S&P 500 Index

participation

10-yr surrender$75,000+

Par: 135% · 1-yr

Morgan Stanley Dynamic Global Index

Strategy Fee Included · Point-to-point

Other state rate set 6368Up to $74,999.99

Par: 125% · 1-yr

Fidelity Multifactor Yield Index 5% ER

Strategy Fee Included · Point-to-point

Other state rate set 6368Up to $74,999.99

Par: 85% · 1-yr

S&P MARC 5% Excess Return

Point-to-point

Other state rate set 6368Up to $74,999.99

Par: 85% · 1-yr

Fidelity Multifactor Yield Index 5% ER

Point-to-point

Other state rate set 6368Up to $74,999.99

Par: 85% · 1-yr

Morgan Stanley Dynamic Global Index

Point-to-point

Other state rate set 6368Up to $74,999.99

Par: 75% · 1-yr

Barclays Transitions 6% Index

Point-to-point

Other state rate set 6368Up to $74,999.99

Par: 40% · 1-yr

Goldman Sachs Equity TimeX Index

Point-to-point

Other state rate set 6368Up to $74,999.99

Par: 40% · 1-yr

Barclays Transitions 12% Index

Point-to-point

Other state rate set 6368Up to $74,999.99

Par: 20% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 6368Up to $74,999.99

Cap: 6% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 6368Up to $74,999.99

Fixed: 3% · 1-yr

Fixed Account

Fixed account

Other state rate set 6368Up to $74,999.99

Cap: 1.4% · 1-yr

S&P 500 Index

Monthly sum

Other state rate set 6368Up to $74,999.99

Par: 190% · 2-yr

Fidelity Multifactor Yield Index 5% ER

Strategy Fee Included · Point-to-point

Other state rate set 6368Up to $74,999.99

Par: 190% · 2-yr

Morgan Stanley Dynamic Global Index

Strategy Fee Included · Point-to-point

Other state rate set 6368Up to $74,999.99

Par: 130% · 2-yr

Morgan Stanley Dynamic Global Index

Point-to-point

Other state rate set 6368Up to $74,999.99

Par: 125% · 2-yr

Barclays Transitions 6% Index

Point-to-point

Other state rate set 6368Up to $74,999.99

Par: 120% · 2-yr

S&P MARC 5% Excess Return

Point-to-point

Other state rate set 6368Up to $74,999.99

Par: 120% · 2-yr

Fidelity Multifactor Yield Index 5% ER

Point-to-point

Other state rate set 6368Up to $74,999.99

Par: 70% · 2-yr

Goldman Sachs Equity TimeX Index

Point-to-point

Other state rate set 6368Up to $74,999.99

Par: 60% · 2-yr

Barclays Transitions 12% Index

Point-to-point

Other state rate set 6368Up to $74,999.99

Par: 25% · 2-yr

S&P 500 Index

Point-to-point

Other state rate set 6368Up to $74,999.99

Par: 130% · 1-yr

Morgan Stanley Dynamic Global Index

Strategy Fee Included · Point-to-point