NAC Max Elite Guarantee
North American Company
4.75%
Best Rate
10%
Free W/D
48
States
Max Elite Accumulation 10 is a fixed index annuity that protects your principal while offering growth potential tied to stock market indices. It's designed for people seeking downside protection, tax deferral, and the ability to participate in market upswings without direct stock market risk.
Free Withdrawal
10%/yr
Available In
48 states
Min Premium
$20,000
Surrender
7 years
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 4.35% |
| 5-Year | 4.75% |
| 7-Year | 4.5% |
Key Features
Premium Protection
100% principal guaranteedYour initial premium is guaranteed and cannot decrease due to negative index performance. You have a 0% floor during market downturns.
Market-Linked Interest
Annual Point-to-Point with cap ratesYour annuity can earn interest based on positive performance of the S&P 500 or S&P 500 Dynamic Intraday TCA Index, subject to cap rates and crediting method.
Tax Deferral
Tax-deferred until withdrawalInterest earnings grow tax-free inside the annuity. You only pay income tax when you withdraw funds, allowing compound growth without annual tax drag.
Flexible Strategy
Multiple crediting methods availableYou allocate your premium between a fixed account and index account options. Choose from Annual Point-to-Point with Cap Rate, or Annual Point-to-Point with Cap Rate and Declared Rate.
Penalty-Free Withdrawals
10% annual withdrawal limitStarting in year one, you can withdraw up to 10% of your beginning-of-year accumulation value annually without surrender charges or market value adjustment.
Death Benefit
Full value passes to beneficiaryYour beneficiary receives your full accumulation value or minimum surrender value at death, whichever is greater.
Nursing Home Waiver
Full access if nursing care confinedIf confined to a qualified nursing care center after the first contract year, you can withdraw 100% of your accumulation value without surrender charges.
Highlights
100% premium protection with 0% floor means your initial investment is never at risk from market downturns
Growth potential linked to S&P 500 performance with annual point-to-point crediting methods and index cap rates
Tax-deferred growth lets your money compound without annual tax drag until you access funds
Flexible allocation between fixed account and multiple index strategies—you control how your premium is invested
Penalty-free withdrawal of up to 10% annually plus nursing home confinement waiver for added liquidity
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
Nursing home waiver, RMD waiver
Best For
Individuals aged 0-79 seeking a balance between principal protection and growth potential, with at least $20,000 to invest and a time horizon that allows them to benefit from tax deferral and market-linked returns.
Consider Alternatives If
Those needing immediate access to their full account value without penalty, requiring current income, or having a very short investment time horizon, should avoid this product due to surrender charges.
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