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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: August 4, 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, 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 August 4, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$264,036
Est. value at age 80 (North American Charter Plus 14)
6.5%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 6.5% 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 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. Not a projection, quote, or guarantee. Live CANNEX rates as of August 4, 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 August 4, 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

Annual cap

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

S&P 500

S&P 500 Index

monthly sum cap

1.45% cap rate

Monthly sum

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

S&P 500

S&P 500 Index

20% participation rate

Participation

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

S&P 500

S&P 500 Index

30% participation rate

Participation

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

Fixed Account

Fixed Account

3% declared rate

Fixed account

1-year term · 14-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

  • 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.

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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 are the current crediting strategies available for this product. 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 · participation

14-yr surrender$75,000+

Par: 130% · 1-yr

Fidelity Multifactor Yield Index 5% ER

Strategy Fee Included · participation

14-yr surrender$75,000+

Par: 90% · 1-yr

S&P MARC 5% Excess Return

participation

14-yr surrender$75,000+

Par: 90% · 1-yr

Fidelity Multifactor Yield Index 5% ER

participation

14-yr surrender$75,000+

Par: 90% · 1-yr

Morgan Stanley Dynamic Global Index

participation

14-yr surrender$75,000+

Par: 85% · 1-yr

Barclays Transitions 6% Index

participation

14-yr surrender$75,000+

Par: 45% · 1-yr

Goldman Sachs Equity TimeX Index

participation

14-yr surrender$75,000+

Par: 45% · 1-yr

Barclays Transitions 12% Index

participation

14-yr surrender$75,000+

Par: 20% · 1-yr

S&P 500 Index

participation

14-yr surrender$75,000+

Cap: 6.5% · 1-yr

S&P 500 Index

cap

14-yr surrender$75,000+

Fixed: 3% · 1-yr

Fixed Account

fixed

14-yr surrender$75,000+

Cap: 1.45% · 1-yr

S&P 500 Index

monthly_sum_cap

14-yr surrender$75,000+

Par: 195% · 2-yr

Fidelity Multifactor Yield Index 5% ER

Strategy Fee Included · participation

14-yr surrender$75,000+

Par: 195% · 2-yr

Morgan Stanley Dynamic Global Index

Strategy Fee Included · participation

14-yr surrender$75,000+

Par: 135% · 2-yr

Morgan Stanley Dynamic Global Index

participation

14-yr surrender$75,000+

Par: 135% · 2-yr

Barclays Transitions 6% Index

participation

14-yr surrender$75,000+

Par: 125% · 2-yr

S&P MARC 5% Excess Return

participation

14-yr surrender$75,000+

Par: 125% · 2-yr

Fidelity Multifactor Yield Index 5% ER

participation

14-yr surrender$75,000+

Par: 75% · 2-yr

Goldman Sachs Equity TimeX Index

participation

14-yr surrender$75,000+

Par: 65% · 2-yr

Barclays Transitions 12% Index

participation

14-yr surrender$75,000+

Par: 30% · 2-yr

S&P 500 Index

participation

14-yr surrender$75,000+

Par: 140% · 1-yr

Morgan Stanley Dynamic Global Index

Strategy Fee Included · Point-to-point

Up to $74,999.99

Par: 130% · 1-yr

Fidelity Multifactor Yield Index 5% ER

Strategy Fee Included · Point-to-point

Up to $74,999.99

Par: 90% · 1-yr

S&P MARC 5% Excess Return

Point-to-point

Up to $74,999.99

Par: 90% · 1-yr

Fidelity Multifactor Yield Index 5% ER

Point-to-point

Up to $74,999.99

Par: 90% · 1-yr

Morgan Stanley Dynamic Global Index

Point-to-point

Up to $74,999.99

Par: 85% · 1-yr

Barclays Transitions 6% Index

Point-to-point

Up to $74,999.99

Par: 45% · 1-yr

Goldman Sachs Equity TimeX Index

Point-to-point

Up to $74,999.99

Par: 45% · 1-yr

Barclays Transitions 12% Index

Point-to-point

Up to $74,999.99

Par: 20% · 1-yr

S&P 500 Index

Point-to-point

Up to $74,999.99

Cap: 6.5% · 1-yr

S&P 500 Index

Point-to-point

Up to $74,999.99

Fixed: 3% · 1-yr

Fixed Account

Fixed account

Up to $74,999.99

Cap: 1.45% · 1-yr

S&P 500 Index

Monthly sum

Up to $74,999.99

Par: 195% · 2-yr

Fidelity Multifactor Yield Index 5% ER

Strategy Fee Included · Point-to-point

Up to $74,999.99

Par: 195% · 2-yr

Morgan Stanley Dynamic Global Index

Strategy Fee Included · Point-to-point

Up to $74,999.99

Par: 135% · 2-yr

Morgan Stanley Dynamic Global Index

Point-to-point

Up to $74,999.99

Par: 135% · 2-yr

Barclays Transitions 6% Index

Point-to-point

Up to $74,999.99

Par: 125% · 2-yr

S&P MARC 5% Excess Return

Point-to-point

Up to $74,999.99

Par: 125% · 2-yr

Fidelity Multifactor Yield Index 5% ER

Point-to-point

Up to $74,999.99

Par: 75% · 2-yr

Goldman Sachs Equity TimeX Index

Point-to-point

Up to $74,999.99

Par: 65% · 2-yr

Barclays Transitions 12% Index

Point-to-point

Up to $74,999.99

Par: 30% · 2-yr

S&P 500 Index

Point-to-point

Up to $74,999.99

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 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 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

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

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, Surrender waivers

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+
S&PA+
S&PA+

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

North American Charter Plus 14 currently shows 40 distinct indexed or fixed crediting choices across 42 displayed rate entries, 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 rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 6.5% annual cap
  • S&P 500 Index: 1.45% monthly cap
  • S&P 500 Index: 6.5% annual point-to-point cap
  • S&P 500 Index: 20% annual participation rate

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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