Annuity rate data from AdvisorWorld and CANNEX carrier feeds

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Fixed Indexed Annuity

North American Charter Plus 14

North American

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6.5%

Best S&P 500 Annual Cap

10%

Free W/D

29

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 North American Charter Plus 14 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
$264,036
Gross crediting illustration at age 80 (North American Charter Plus 14)
Excludes the 0.95% current Optional Enhanced Bonus Rider(EBR) charge. This is not a net contract value.
6.5%
Best S&P 500 1-yr point-to-point cap

Gross crediting illustration for each line; excludes the 0.95% current Optional Enhanced Bonus Rider(EBR) charge.

S&P 500 Index — 6.5% 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 North American Charter Plus 14's published cap rate (6.5% 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 0.95% current Optional Enhanced Bonus Rider(EBR) 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.

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See how North American Charter Plus 14 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 North American Charter Plus 14

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

6.5% cap on S&P 500

A 14-year-surrender bonus FIA from an A+ rated North American — the long-surrender variant of the Charter Plus family — with a higher up-front premium bonus and a higher S&P 500 annual cap than the 10-year sibling, an S&P 500 monthly-sum cap, proprietary-index participation strategies, a published annual free-withdrawal allowance, and a nursing-home surrender waiver, with no income rider.

1-year term14-year surrender$75,000+AdvisorWorld + CANNEX data

Best fit

Buyers truly committed to a 14-year FIA deferral who want the largest published premium bonus and the highest S&P 500 cap in the Charter Plus family, are comfortable with a 14-year surrender ladder, and do not need a guaranteed-lifetime-income rider. State availability is limited — confirm your state is on the contract.

AM Best

A+ Superior

Surrender period

14 years

Free withdrawal

10%/yr

Availability

29 jurisdictions (restricted footprint)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

6.5% cap rate

Rate effective May 19, 2026

Annual point-to-point

Requested state: AL

1-year term · 14-year surrender · $75,000+

S&P 500

S&P 500 Index

1.45% cap rate

Rate effective May 19, 2026

Monthly sum

Requested state: AL

1-year term · 14-year surrender · $75,000+

S&P 500

S&P 500 Index

20% participation rate

Rate effective May 19, 2026

Annual point-to-point

Requested state: AL

1-year term · 14-year surrender · $75,000+

S&P 500

S&P 500 Index

30% participation rate

Rate effective May 19, 2026

2-year point-to-point

Requested state: AL

2-year term · 14-year surrender · $75,000+

Fixed Account

Fixed Account

3% declared rate

Rate effective May 19, 2026

Fixed account

Requested state: AL

1-year term · 14-year surrender · $75,000+

+ 20 additional crediting options (Goldman Sachs, S&P MARC, Fidelity Multifactor...)

Product analyst notes

How to think about this contract

Why it can stand out

  • A larger published premium bonus credited up front than the 10-year sibling — the carrier compensates buyers for the longer surrender commitment with a bigger up-front credit on the account value.
  • 14-year surrender — the longest in the Charter Plus family, paired with a higher S&P 500 cap than the 10-year sibling, so the longer commitment is matched by both a richer bonus and a richer cap.
  • Strategy menu blends a recognizable S&P 500 annual cap, an S&P 500 monthly-sum cap, and participation strategies on multiple proprietary indexes — buyers can pick the crediting mechanic that best fits their view.
  • Published annual free-withdrawal allowance and a nursing-home surrender-charge waiver are both shown on the page, so penalty-free liquidity and a named life-event exit are explicit inside the long surrender window.

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 14-year surrender is the longest published in the Charter Plus family and at the very long end of the FIA market. Buyers should price the premium bonus and S&P cap pickup against the four extra years of surrender exposure (vs. the 10-year sibling) — the trade-off only pays off if the buyer truly does not need the principal back inside that window.
  • Premium bonuses on bonus FIAs commonly come with vesting schedules and bonus recapture on early withdrawal — confirm the vesting schedule on this contract with the carrier or brochure before assuming the full bonus is yours at issue.
  • The 14-year variant is available in fewer states than the 10-year sibling — confirm availability in your state with the carrier or a licensed financial professional before assuming this contract is the right one for you. Buyers outside the available-states list should look at the Charter Plus 10 sibling instead.

Not ideal for

Buyers in a state not on the 14-year filing's availability list (look at the Charter Plus 10 sibling instead), buyers who cannot commit principal for a full 14-year window, buyers who need a GLWB income rider, or buyers who cannot accept the bonus-vesting trade-off typical of premium-bonus FIAs.

Free Comparison Report

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See how North American Charter Plus 14 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 (42 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: 140% · 1-yr

Morgan Stanley Dynamic Global Index

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

Requested state: ALRate effective May 19, 202614-yr surrender$75,000+

Par: 140% · 1-yr

Morgan Stanley Dynamic Global Index

Strategy Fee Included · Point-to-point

Requested state: AL14-yr surrender$75,000+

Par: 130% · 1-yr

Fidelity Multifactor Yield Index 5% ER

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

Requested state: ALRate effective May 19, 202614-yr surrender$75,000+

Par: 130% · 1-yr

Fidelity Multifactor Yield Index 5% ER

Strategy Fee Included · Point-to-point

Requested state: AL14-yr surrender$75,000+

Par: 90% · 1-yr

S&P MARC 5% Excess Return

Point-to-point · 0% annual strategy fee

Requested state: ALRate effective May 19, 202614-yr surrender$75,000+

Par: 90% · 1-yr

Fidelity Multifactor Yield Index 5% ER

Point-to-point · 0% annual strategy fee

Requested state: ALRate effective May 19, 202614-yr surrender$75,000+

Par: 90% · 1-yr

Morgan Stanley Dynamic Global Index

Point-to-point · 0% annual strategy fee

Requested state: ALRate effective May 19, 202614-yr surrender$75,000+

Par: 90% · 1-yr

S&P MARC 5% Excess Return

Point-to-point

Requested state: AL14-yr surrender$75,000+

Par: 90% · 1-yr

Fidelity Multifactor Yield Index 5% ER

Point-to-point

Requested state: AL14-yr surrender$75,000+

Par: 90% · 1-yr

Morgan Stanley Dynamic Global Index

Point-to-point

Requested state: AL14-yr surrender$75,000+

Par: 85% · 1-yr

Barclays Transitions 6% Index

Point-to-point · 0% annual strategy fee

Requested state: ALRate effective May 19, 202614-yr surrender$75,000+

Par: 85% · 1-yr

Barclays Transitions 6% Index

Point-to-point

Requested state: AL14-yr surrender$75,000+

Par: 45% · 1-yr

Goldman Sachs Equity TimeX Index

Point-to-point · 0% annual strategy fee

Requested state: ALRate effective May 19, 202614-yr surrender$75,000+

Par: 45% · 1-yr

Barclays Transitions 12% Index

Point-to-point · 0% annual strategy fee

Requested state: ALRate effective May 19, 202614-yr surrender$75,000+

Par: 45% · 1-yr

Goldman Sachs Equity TimeX Index

Point-to-point

Requested state: AL14-yr surrender$75,000+

Par: 45% · 1-yr

Barclays Transitions 12% Index

Point-to-point

Requested state: AL14-yr surrender$75,000+

Par: 20% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: ALRate effective May 19, 202614-yr surrender$75,000+

Par: 20% · 1-yr

S&P 500 Index

Point-to-point

Requested state: AL14-yr surrender$75,000+

Cap: 6.5% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: ALRate effective May 19, 202614-yr surrender$75,000+

Cap: 6.5% · 1-yr

S&P 500 Index

Point-to-point

Requested state: AL14-yr surrender$75,000+

Fixed: 3% · 1-yr

Fixed Account

Fixed account · 0% annual strategy fee

Requested state: ALRate effective May 19, 202614-yr surrender$75,000+

Fixed: 3% · 1-yr

Fixed Account

Fixed account

Requested state: AL14-yr surrender$75,000+

Cap: 1.45% · 1-yr

S&P 500 Index

Monthly sum · 0% annual strategy fee

Requested state: ALRate effective May 19, 202614-yr surrender$75,000+

Cap: 1.45% · 1-yr

S&P 500 Index

Monthly sum

Requested state: AL14-yr surrender$75,000+

Par: 195% · 2-yr

Fidelity Multifactor Yield Index 5% ER

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

Requested state: ALRate effective May 19, 202614-yr surrender$75,000+

Par: 195% · 2-yr

Morgan Stanley Dynamic Global Index

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

Requested state: ALRate effective May 19, 202614-yr surrender$75,000+

Par: 195% · 2-yr

Fidelity Multifactor Yield Index 5% ER

Strategy Fee Included · Point-to-point

Requested state: AL14-yr surrender$75,000+

Par: 195% · 2-yr

Morgan Stanley Dynamic Global Index

Strategy Fee Included · Point-to-point

Requested state: AL14-yr surrender$75,000+

Par: 135% · 2-yr

Morgan Stanley Dynamic Global Index

Point-to-point · 0% annual strategy fee

Requested state: ALRate effective May 19, 202614-yr surrender$75,000+

Par: 135% · 2-yr

Barclays Transitions 6% Index

Point-to-point · 0% annual strategy fee

Requested state: ALRate effective May 19, 202614-yr surrender$75,000+

Par: 135% · 2-yr

Morgan Stanley Dynamic Global Index

Point-to-point

Requested state: AL14-yr surrender$75,000+

Par: 135% · 2-yr

Barclays Transitions 6% Index

Point-to-point

Requested state: AL14-yr surrender$75,000+

Par: 125% · 2-yr

S&P MARC 5% Excess Return

Point-to-point · 0% annual strategy fee

Requested state: ALRate effective May 19, 202614-yr surrender$75,000+

Par: 125% · 2-yr

Fidelity Multifactor Yield Index 5% ER

Point-to-point · 0% annual strategy fee

Requested state: ALRate effective May 19, 202614-yr surrender$75,000+

Par: 125% · 2-yr

S&P MARC 5% Excess Return

Point-to-point

Requested state: AL14-yr surrender$75,000+

Par: 125% · 2-yr

Fidelity Multifactor Yield Index 5% ER

Point-to-point

Requested state: AL14-yr surrender$75,000+

Par: 75% · 2-yr

Goldman Sachs Equity TimeX Index

Point-to-point · 0% annual strategy fee

Requested state: ALRate effective May 19, 202614-yr surrender$75,000+

Par: 75% · 2-yr

Goldman Sachs Equity TimeX Index

Point-to-point

Requested state: AL14-yr surrender$75,000+

Par: 65% · 2-yr

Barclays Transitions 12% Index

Point-to-point · 0% annual strategy fee

Requested state: ALRate effective May 19, 202614-yr surrender$75,000+

Par: 65% · 2-yr

Barclays Transitions 12% Index

Point-to-point

Requested state: AL14-yr surrender$75,000+

Par: 30% · 2-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: ALRate effective May 19, 202614-yr surrender$75,000+

Par: 30% · 2-yr

S&P 500 Index

Point-to-point

Requested state: AL14-yr surrender$75,000+

Other contract riders and charges

Optional Enhanced Bonus Rider(EBR)

Published rider charge: 0.95% (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 North American Charter Plus 14

● Can I lose money in North American Charter Plus 14?

A negative index return by itself does not reduce the contract's account value: North American Charter Plus 14 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 14 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 North American Charter Plus 14's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available North American Charter Plus 14 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.

Surrender waivers

1

Nursing home waiver

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

12%

Yr 2

12%

Yr 3

11%

Yr 4

11%

Yr 5

10%

Yr 6

9%

Yr 7

8%

Yr 8

7%

Yr 9

6%

Yr 10

5%

Yr 11

4%

Yr 12

3%

Yr 13

2%

Yr 14

1%

After

0%

Nursing home waiver

Documents

product guide

25305Z-1 - North American Charter Plus 14 brochure-2.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

North American Charter Plus 14 currently shows 42 indexed or fixed crediting options, including S&P 500 Index, with 32 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: 6.5% annual cap, 0% annual strategy fee
  • S&P 500 Index: 1.45% monthly cap, 0% annual strategy fee
  • S&P 500 Index: 6.5% annual cap
  • S&P 500 Index: 1.45% 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
  • 14 surrender years
  • Nursing home waiver

Verification note

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

Carrier materials such as 25305Z-1 - North American Charter Plus 14 brochure-2.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 North American Charter Plus 14 compares for your age, state, premium, and income goals alongside other North American fixed indexed annuity options.

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