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Fixed Indexed Annuity

Max Elite Accumulation 10

North American Company

9.05%

Best Cap

10%

Free W/D

49

Jurisdictions

Product data status: May 29, 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.

Live product data

Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

9.05% cap on S&P 500

A ten-year-surrender fixed indexed annuity from an A+ rated North American, the long-surrender member of the Max Elite Accumulation family, built for cap-based index-linked accumulation through annual point-to-point caps on the S&P 500 and a proprietary S&P 500 Dynamic Intraday TCA index, with no income rider, no premium bonus, and a published annual free-withdrawal allowance.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers committed to a full ten-year FIA deferral who want the highest cap inside the Max Elite Accumulation family, are comfortable with a cap-only (no participation-rate, no monthly-sum) strategy menu, and do not need a guaranteed-lifetime-income rider.

AM Best

A+ Superior

Surrender period

10 years

Free withdrawal

10%/yr

Availability

49 jurisdictions (excl. California, New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9.05% cap rate

Rate varies by premium band.

Fixed Account

Fixed Account

4.25% declared rate

Rate varies by premium band.

+ 2 volatility-controlled index options (S&P 500...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Ten-year surrender — the longest in the Max Elite Accumulation family, paired with the highest absolute caps among the 5/7/10 siblings, so the longer commitment is compensated by a richer cap on the same strategies.
  • Strategy menu is cap-only on the index side, with one annual point-to-point cap on the S&P 500 alongside one cap on a proprietary S&P 500 Dynamic Intraday TCA index — a clean comparable design without participation-rate or monthly-sum complications.
  • Published annual free-withdrawal allowance is shown on the page, so penalty-free liquidity inside the ten-year surrender window is explicit rather than buried in the brochure.
  • Carrier financial-strength is rated by more than one agency on this page, so the strength view sitting behind the ten-year rate-lock 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.
  • The ten-year surrender term is at the long end of the FIA market for a cap-only accumulation contract. Buyers who do not need the full ten-year rate-lock should evaluate the 5- or 7-year siblings in the same family — the cap pickup on the 10-year filing is modest relative to the extra commitment.
  • The headline cap is on the recognizable S&P 500 index. The proprietary S&P 500 Dynamic Intraday TCA Index posts a higher cap on this filing, but it is a volatility-controlled excess-return index and behaves differently from the underlying S&P 500 — evaluate each cap on its own historical merits.
  • There is no premium bonus and no death-benefit roll-up on this filing. The death benefit is the standard accumulation contract value; buyers prioritizing a legacy step-up should look at a different filing.

Not ideal for

Buyers who need a guaranteed-lifetime-withdrawal rider, want a shorter surrender commitment, expect a premium bonus to offset the long surrender term, or want a death-benefit roll-up — those are not what this contract is built to deliver.

All crediting strategies

View rate listings (8 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.

Cap: 12.5% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

cap

10-yr surrender$100,000+

Cap: 9.05% · 1-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Cap: 6.25% + Fixed: 2% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

cap

10-yr surrender$100,000+

Fixed: 4.25% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Cap: 12.5% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

$100,000+

Cap: 9.05% · 1-yr

S&P 500 Index

$100,000+

Cap: 6.25% + Fixed: 2% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

$100,000+

Fixed: 4.25% · 1-yr

Fixed Account

$100,000+

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

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.

Strategy guarantee

Minimum guaranteed cap: 0.25%

Strategy guarantee

Minimum guaranteed declared rate: 0.10%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 0.10%

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

8%

Yr 3

7%

Yr 4

6%

Yr 5

5%

Yr 6

4%

Yr 7

3%

Yr 8

2%

Yr 9

1%

Yr 10

0.5%

After

0%

Nursing home waiver, Surrender waivers

Documents

product guide

37902Z - Max Elite Accumulation 10 product brochure.pdf

Confidence: highReviewed Apr 8, 2026

Direct link not published — request the document from the carrier.

product guide

11360_05.25.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

Max Elite Accumulation 10 currently shows 4 distinct indexed or fixed crediting choices across 8 current rate listings, including S&P 500 Index, S&P 500 Dynamic Intraday TCA Index (USD) ER, and Fixed Account. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 9.05% cap
  • S&P 500 Dynamic Intraday TCA Index (USD) ER: 12.5% cap
  • S&P 500 Dynamic Intraday TCA Index (USD) ER: 6.25% 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
  • 10 surrender years
  • Nursing home waiver

Verification note

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

Carrier materials such as 37902Z - Max Elite Accumulation 10 product brochure.pdf and 11360_05.25.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

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