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Fixed Indexed Annuity

PrimePath Pro 10

North American Company

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8.5%

Best S&P 500 Annual Cap

7%

Free W/D

50

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 PrimePath Pro 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.
Crediting strategy
Compare against
$300,821
Est. value at age 80 (PrimePath Pro 10)
8.5%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 8.5% 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 PrimePath Pro 10's published cap rate (8.5% 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 July 15, 2026.

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Get a PrimePath Pro 10 rate report

See how PrimePath Pro 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 PrimePath Pro 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.

GLWB lifetime payout rate

4.5% lifetime payout + 1% roll-up

A ten-year-surrender fixed indexed annuity from an A+ rated North American with a real optional 'Lifetime Payment Amount (LPA) Rider' GMWB available in Level Income and Increasing Income flavors at multiple withdrawal-rate tiers, a competitive S&P 500 annual cap and proprietary-index participation menu underneath, a published annual free-withdrawal allowance, and a nursing-home surrender waiver.

0% annual rider feeAdvisorWorld + CANNEX data

Best fit

Buyers committing to a ten-year surrender who want a contractually published lifetime-income payout rate from a real optional GMWB rider with a choice between flat and step-up income designs, and a competitive underlying S&P 500 cap to grow the account value behind the rider.

AM Best

A+ Superior

Surrender period

10 years

Free withdrawal

7%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

8.5% cap rate

Annual cap

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

monthly sum cap

2.5% cap rate

Monthly sum

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

35% participation rate

Participation

1-year term · 10-year surrender · Does not vary by premium

Fixed Account

Fixed Account

3.7% declared rate

Fixed account

1-year term · 10-year surrender · Does not vary by premium

+ 14 additional crediting options (Morgan Stanley, S&P Maestro, S&P MARC...)

Lifetime Income Riders

Income rider

Payment Amount (LPA) Rider - Income

Lifetime payout rate4.5% lifetime payout
Annual rider fee0% annual rider fee
Guaranteed roll-up1%/yr
Interest multiplier2x interest multiplier

Income rider

Payment Amount (LPA) Rider - Increasing Income

Lifetime payout rate3.5% lifetime payout
Annual rider fee0% annual rider fee
Guaranteed roll-up1%/yr
Interest multiplier2x interest multiplier

Product analyst notes

How to think about this contract

Why it can stand out

  • Lifetime income comes via a real optional 'Lifetime Payment Amount (LPA) Rider' GMWB available in two designs (Level Income and Increasing Income), each published at multiple withdrawal-rate tiers — so buyers can pick the rider design and the tier that match their issue age and deferral horizon.
  • Underlying strategy menu blends a competitive S&P 500 annual point-to-point cap with an S&P 500 monthly-sum cap and participation strategies on Morgan Stanley Dynamic Global, S&P MARC, S&P Maestro, and Morgan Stanley Dynamic Contribution proprietary indexes — providing both a like-for-like growth path and higher-participation alternatives to feed the account value behind the rider.
  • Published annual free-withdrawal allowance is shown on the page alongside a nursing-home surrender-charge waiver — penalty-free liquidity and a named life-event exit are both explicit inside the ten-year surrender window.
  • Carrier financial-strength is rated by more than one agency on this page, so the strength view sitting behind the lifetime-income guarantee is not a single-source read.

What to confirm

  • The Level Income and Increasing Income variants of the LPA Rider publish meaningfully different withdrawal rates — the Increasing Income variant starts at a lower rate in exchange for index-linked step-ups. Compare both designs against your income-start timeline before electing one.
  • The Lifetime Payment Amount Rider publishes its withdrawal rates at multiple issue-age tiers — the highest published rate applies only at the highest tier. Confirm the tier that applies at your own issue age before assuming the headline number.
  • The S&P 500 monthly-sum cap is not directly comparable to the annual cap (a monthly-sum cap caps monthly gains but not monthly losses) — treat the annual cap, not the monthly-sum cap, as the headline cap underneath the rider.
  • The contract carries a ten-year surrender schedule. Buyers who may need to exit before electing lifetime income should price the early-exit cost against the rider value, since exiting forfeits the rider promise entirely.

Not ideal for

Buyers who need short-surrender liquidity, a rider-fee-free income mechanism (a PIV chassis), a plain MYGA-style declared-rate guarantee without any optional rider, or buyers who want a longer 12-year surrender with the same rider design (look at the PrimePath Pro 12 sibling instead).

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See how PrimePath Pro 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 (18 rows)

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

Par: 200% · 1-yr

Morgan Stanley Dynamic Global Index

Strategy Fee Included · participation

10-yr surrenderDoes not vary by premium

Par: 185% · 1-yr

S&P MARC 5% Excess Return

Strategy Fee Included · participation

10-yr surrenderDoes not vary by premium

Par: 165% · 1-yr

S&P Maestro 5 Index Excess Return

Strategy Fee Included · participation

10-yr surrenderDoes not vary by premium

Par: 160% · 1-yr

Morgan Stanley Dynamic Global Index

participation

10-yr surrenderDoes not vary by premium

Par: 145% · 1-yr

Morgan Stanley Dynamic Contribution Index

participation

10-yr surrenderDoes not vary by premium

Par: 100% + Spread: 0% · 1-yr

S&P Maestro 5 Index Excess Return

participation

10-yr surrenderDoes not vary by premium

Par: 100% + Spread: 0% · 1-yr

S&P MARC 5% Excess Return

participation

10-yr surrenderDoes not vary by premium

Par: 100% + Spread: 2% · 1-yr

S&P 500 Low Volatility Daily Risk Control 5% USD Total Return Index

participation

10-yr surrenderDoes not vary by premium

Par: 35% · 1-yr

S&P 500 Index

participation

10-yr surrenderDoes not vary by premium

Cap: 8.5% · 1-yr

S&P 500 Index

cap

10-yr surrenderDoes not vary by premium

Fixed: 3.7% · 1-yr

Fixed Account

fixed

10-yr surrenderDoes not vary by premium

Cap: 2.5% · 1-yr

S&P 500 Index

monthly_sum_cap

10-yr surrenderDoes not vary by premium

Par: 285% + Spread: 4% · 2-yr

Morgan Stanley Dynamic Contribution Index

participation

10-yr surrenderDoes not vary by premium

Par: 270% · 2-yr

Morgan Stanley Dynamic Global Index

Strategy Fee Included · participation

10-yr surrenderDoes not vary by premium

Par: 250% · 2-yr

S&P MARC 5% Excess Return

Strategy Fee Included · participation

10-yr surrenderDoes not vary by premium

Par: 235% · 2-yr

S&P Maestro 5 Index Excess Return

Strategy Fee Included · participation

10-yr surrenderDoes not vary by premium

Par: 220% · 2-yr

Morgan Stanley Dynamic Global Index

participation

10-yr surrenderDoes not vary by premium

Par: 200% · 2-yr

Morgan Stanley Dynamic Contribution Index

participation

10-yr surrenderDoes not vary by premium

Income riders

Income rider

Lifetime Payment Amount (LPA) Rider - Level Income

Lifetime withdrawal rate4.5%
Annual rider fee0%
Guaranteed roll-up1%/yr
Income multiplier2× multiplier
Deferral assumed10 years

GMWB

Income rider

Lifetime Payment Amount (LPA) Rider - Increasing Income

Lifetime withdrawal rate3.5%
Annual rider fee0%
Guaranteed roll-up1%/yr
Income multiplier2× multiplier
Deferral assumed10 years

GMWB

Common questions about PrimePath Pro 10

● Can I lose money in PrimePath Pro 10?

A negative index return by itself does not reduce the contract's account value: PrimePath Pro 10 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 7% 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.

● Is the Lifetime Payment Amount (LPA) Rider - Level Income income rider worth the 0% fee?

It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 1% roll-up and 4.5% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● When can I access my money without a surrender charge?

Up to 7% 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 PrimePath Pro 10's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current PrimePath Pro 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

7%/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

0.10%

Minimum guaranteed cap for cap-based indexed strategies.

Fixed account guarantee

0.10%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

5.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Maximum spread

30.00%

Maximum spread: 30.00%

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

9%

Yr 2

9%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, Surrender waivers

Documents

product guide

40073Z - PrimePath Pro 10 brochure.pdf

Confidence: highReviewed Apr 1, 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

PrimePath Pro 10 currently shows 18 indexed or fixed crediting options, including S&P 500 Index and Fixed Account, with 14 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: 8.5% annual cap
  • S&P 500 Index: 2.5% monthly cap
  • S&P 500 Index: 35% annual participation rate
  • Fixed Account: 3.7% fixed account rate

Income rider language

What to look for before treating the rider as income

Lifetime Payment Amount (LPA) Rider - Level Income is the main income-rider entry returned for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • 4.5% withdrawal rate
  • 0% rider fee
  • 10 deferral years

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.

  • 7%/yr free withdrawal
  • 10 surrender years
  • Nursing home waiver

Verification note

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

Carrier materials such as 40073Z - PrimePath Pro 10 brochure.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 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 PrimePath Pro 10 rate report

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

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