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Fixed Indexed Annuity

NAC BenefitSolutions 10

North American Company

5%

Best Cap

10%

Free W/D

50

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.

GLWB lifetime payout rate

6.5% lifetime payout

A ten-year-surrender fixed indexed annuity from an A+ rated North American with an optional 'Benefits Rider' GLWB for lifetime income, a published annual free-withdrawal allowance plus nursing-home and RMD waivers, and a mixed S&P 500 cap and proprietary-index participation menu underneath.

1.2% annual rider feeRMD-friendly income ridersAdvisorWorld + CANNEX data

Best fit

Buyers committing to a ten-year surrender who want a contractually published lifetime-income payout rate from a real optional Benefits Rider GLWB, value the named nursing-home and RMD surrender waivers, and do not need the larger free-withdrawal allowance more common on accumulation FIAs in this carrier's lineup.

AM Best

A+ Superior

Surrender period

10 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

1.85% cap rate

S&P 500

S&P 500 Index

5% cap rate

S&P 500

S&P 500 Index

25% participation rate

S&P 500

S&P 500 Index

35% participation rate

Fixed Account

Fixed Account

2.3% declared rate

+ 12 volatility-controlled index options (S&P MARC, Fidelity Multifactor, Morgan Stanley...)

Lifetime Income Riders

Income rider

Benefits Rider

RMD friendly
Lifetime payout rate6.5% lifetime payout
Annual rider fee1.2% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

  • Lifetime income comes via a real optional 'Benefits Rider' GLWB with two published withdrawal-rate tiers — so buyers can match the rider design to their issue age and deferral horizon without forcing a single-rate fit.
  • The contract carries two surrender-charge waivers (nursing home confinement and an RMD waiver) on top of the published free-withdrawal allowance, giving buyers named life-event exits from the surrender ladder.
  • 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.
  • Index menu underneath the rider blends a recognizable S&P 500 annual point-to-point cap with multiple participation-rate strategies on proprietary indexes (S&P MARC, Fidelity Multifactor Yield, Morgan Stanley Dynamic Global, Goldman Sachs Equity TimeX, Barclays Transitions) — buyers can choose between like-for-like S&P comparison and higher-participation growth paths to feed the account value behind the rider.

What to confirm

  • The Benefits Rider carries an explicit published annual fee charged against the income base, not the account value — effective cost rises as the income base outgrows the account value, so model the rider through deferral before committing.
  • The free-withdrawal allowance on this filing is tighter than the more common allowance on other income-led FIAs in this carrier's lineup — see the published value on this page rather than assuming a larger no-penalty amount.
  • The S&P 500 annual cap underneath the rider is conservative — the higher participation rates on proprietary volatility-controlled indexes look strong in absolute terms but are not directly comparable to the S&P 500 cap. Evaluate each strategy on its own merits.
  • 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, the larger free-withdrawal allowance more common on accumulation FIAs, a rider-fee-free income mechanism (a PIV chassis), or a plain MYGA-style declared-rate guarantee without any optional rider.

All crediting strategies

View rate listings (34 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: 100% · 1-yr

Fidelity Multifactor Yield Index 5% ER

participation

10-yr surrender

Par: 100% · 1-yr

Morgan Stanley Dynamic Global Index

participation

10-yr surrender

Par: 90% · 1-yr

S&P MARC 5% Excess Return

participation

10-yr surrender

Par: 90% · 1-yr

Barclays Transitions 6% Index

participation

10-yr surrender

Par: 50% · 1-yr

Goldman Sachs Equity TimeX Index

participation

10-yr surrender

Par: 45% · 1-yr

Barclays Transitions 12% Index

participation

10-yr surrender

Par: 25% · 1-yr

S&P 500 Index

participation

10-yr surrender

Cap: 5% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 2.3% · 1-yr

Fixed Account

fixed

10-yr surrender

Cap: 1.85% · 1-yr

S&P 500 Index

monthly_sum_cap

10-yr surrender

Par: 145% · 2-yr

Fidelity Multifactor Yield Index 5% ER

participation

10-yr surrender

Par: 145% · 2-yr

Morgan Stanley Dynamic Global Index

participation

10-yr surrender

Par: 140% · 2-yr

Barclays Transitions 6% Index

participation

10-yr surrender

Par: 135% · 2-yr

S&P MARC 5% Excess Return

participation

10-yr surrender

Par: 75% · 2-yr

Goldman Sachs Equity TimeX Index

participation

10-yr surrender

Par: 70% · 2-yr

Barclays Transitions 12% Index

participation

10-yr surrender

Par: 35% · 2-yr

S&P 500 Index

participation

10-yr surrender

Par: 100% · 1-yr

Fidelity Multifactor Yield Index 5% ER

Par: 100% · 1-yr

Morgan Stanley Dynamic Global Index

Par: 90% · 1-yr

S&P MARC 5% Excess Return

Par: 90% · 1-yr

Barclays Transitions 6% Index

Par: 50% · 1-yr

Goldman Sachs Equity TimeX Index

Par: 45% · 1-yr

Barclays Transitions 12% Index

Par: 25% · 1-yr

S&P 500 Index

Cap: 5% · 1-yr

S&P 500 Index

Fixed: 2.3% · 1-yr

Fixed Account

Cap: 1.85% · 1-yr

S&P 500 Index

Par: 145% · 2-yr

Fidelity Multifactor Yield Index 5% ER

Par: 145% · 2-yr

Morgan Stanley Dynamic Global Index

Par: 140% · 2-yr

Barclays Transitions 6% Index

Par: 135% · 2-yr

S&P MARC 5% Excess Return

Par: 75% · 2-yr

Goldman Sachs Equity TimeX Index

Par: 70% · 2-yr

Barclays Transitions 12% Index

Par: 35% · 2-yr

S&P 500 Index

Income riders

Income rider

Benefits Rider

RMD friendly
Lifetime withdrawal rate6.5%
Annual rider fee1.2%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120

GLWB

Income rider

Benefits Rider

RMD friendly
Lifetime withdrawal rate6%
Annual rider fee1.2%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120

GLWB

Key Features

Free withdrawal

5%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

2

Nursing home waiver, RMD 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

Guaranteed minimum interest rate (fixed): 0.25%

Strategy guarantee

Minimum guaranteed participation: 5.00%

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

8.5%

Yr 3

7.5%

Yr 4

6.5%

Yr 5

5.5%

Yr 6

4.5%

Yr 7

3.5%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, RMD waiver, Surrender waivers

Documents

product guide

25436Z-OR - BenefitSolutions 10 brochure OR.pdf

Confidence: highReviewed Apr 8, 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

NAC BenefitSolutions 10 currently shows 17 distinct indexed or fixed crediting choices across 34 current rate listings, including S&P 500 Index, with 12 volatility-controlled index options grouped separately. 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: 1.85% cap
  • S&P 500 Index: 5% cap
  • S&P 500 Index: 25% participation

Income rider language

What to look for before treating the rider as income

Benefits Rider 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.

  • 6.5% withdrawal rate
  • 1.2% rider fee
  • RMD friendly

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
  • RMD waiver

Verification note

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

Carrier materials such as 25436Z-OR - BenefitSolutions 10 brochure OR.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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