Fixed Indexed Annuity

NAC Control. X

North American Company

9.5%

Best Cap

10%

Free W/D

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

4.1% lifetime payout

A ten-year-surrender fixed indexed annuity from an A+ rated North American with a real optional 'Total Control Rider' GLWB available in Level Income and Increasing Income flavors, a published annual free-withdrawal allowance, a nursing-home surrender waiver, and a mixed S&P 500 cap and Barclays Transitions participation menu underneath.

1.25% 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 GLWB rider with a choice between flat and step-up income designs, backed by an A+ rated carrier.

AM Best

A+ Superior

Surrender period

10 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Caps, participation rates, and declared rates are shown separately.

Index / strategyRate mechanicsTermPremium

S&P 500

S&P 500 Index

9.5% cap rate

1-year term

Premium band not shown

S&P 500

S&P 500 Index

40% participation rate

1-year term

Premium band not shown

S&P 500

S&P 500 Index

15% cap rate

2-year term

Premium band not shown

S&P 500

S&P 500 Index

50% participation rate

2-year term

Premium band not shown

Fixed Account

4% declared rate

1-year term

Premium band not shown

+ 4 volatility-controlled index options (Barclays Transitions...)

Lifetime Income Riders

Income rider

Total Control Rider - Income

RMD friendly

Lifetime payout rate4.1% lifetime payout

Annual rider fee1.25% annual rider fee

Income rider

Total Control Rider - Increasing Income

RMD friendly

Lifetime payout rate3.7% lifetime payout

Annual rider fee1.25% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

Lifetime income comes via a real optional 'Total Control Rider' GLWB available in two designs (Level Income and Increasing Income) with multiple issue-age tiers — so buyers can match both the rider design and the rider entry age to their own deferral horizon.
Published annual free-withdrawal allowance is shown on the page alongside a nursing-home surrender-charge waiver, so penalty-free liquidity and a named life-event exit are 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.
Underlying strategy menu posts a real S&P 500 annual point-to-point cap alongside participation strategies on Barclays Transitions proprietary indexes — providing both a recognizable like-for-like growth path and a higher-participation alternative to feed the account value behind the rider.

What to confirm

The Total Control 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 Level Income and Increasing Income variants publish meaningfully different withdrawal rates — the Increasing Income variant starts lower in exchange for index-linked step-ups. Compare both designs against your income-start timeline before electing.
The Barclays Transitions participation strategies are proprietary volatility-controlled indexes; their participation rates look strong in absolute terms but are not directly comparable to an S&P 500 cap — evaluate each strategy on its own merits.
The contract carries a ten-year surrender schedule starting in the high single digits in year one. Buyers who may need to exit the contract before electing lifetime income should price the early-exit cost against the rider value, since exiting forfeits the rider promise.

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 a richer recognizable-index menu (the underlying index lineup here is narrower than on some sibling filings).

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: 150% · 1-yr

Barclays Transitions 6% Index

participation

10-yr surrender

Par: 80% · 1-yr

Barclays Transitions 12% Index

participation

10-yr surrender

Par: 40% · 1-yr

S&P 500 Index

participation

10-yr surrender

Cap: 9.5% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 4% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 220% · 2-yr

Barclays Transitions 6% Index

participation

10-yr surrender

Par: 175% + Spread: 4% · 2-yr

Barclays Transitions 12% Index

participation

10-yr surrender

Par: 50% · 2-yr

S&P 500 Index

participation

10-yr surrender

Cap: 15% · 2-yr

S&P 500 Index

cap

10-yr surrender

Par: 150% · 1-yr

Barclays Transitions 6% Index

Par: 80% · 1-yr

Barclays Transitions 12% Index

Par: 40% · 1-yr

S&P 500 Index

Cap: 9.5% · 1-yr

S&P 500 Index

Fixed: 4% · 1-yr

Fixed Account

Par: 220% · 2-yr

RMD friendly

Lifetime withdrawal rate3.6%

Annual rider fee1.25%

Withdrawal-base growthNot shown

Deferral assumed0 years

Issue age50 — 120

Joint availabilityJoint life

GLWB

Key Features

Free withdrawal

10%/yr

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

Surrender waivers

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

Guaranteed minimum interest rate (fixed): 0.10%

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

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

Yr 9

Yr 10

After

Nursing home waiver, Surrender waivers

Documents

brochure

36473Z - NAC Control. X brochure.pdf

Confidence: highReviewed Apr 8, 2026

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

Carrier Ratings

AM BestA+

S&PA+

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

NAC Control. X currently shows 9 distinct indexed or fixed crediting choices across 18 current rate listings, including S&P 500 Index, with 4 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: 9.5% cap
S&P 500 Index: 40% participation
S&P 500 Index: 15% cap

Income rider language

What to look for before treating the rider as income

Total Control 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.

4.1% withdrawal rate
1.25% rider fee
10 deferral years
RMD friendly
Joint life availability

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 36473Z - NAC Control. X brochure.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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Related Resources

NAC Control. X

4.1% lifetime payout

Featured crediting strategies

Lifetime Income Riders

Total Control Rider - Income

Total Control Rider - Increasing Income

How to think about this contract

Why it can stand out

What to confirm

All crediting strategies

Income riders

Total Control Rider - Level Income

Total Control Rider - Level Income

Total Control Rider - Increasing Income

Total Control Rider - Increasing Income

Total Control Rider - Increasing Income

Total Control Rider - Increasing Income

Total Control Rider - Level Income

Total Control Rider - Level Income

Key Features

Free withdrawal

Surrender waivers

Death benefit

Strategy guarantee

Strategy guarantee

Strategy guarantee

Annuitization options

Fund types

Surrender schedule

Documents

36473Z - NAC Control. X brochure.pdf

Carrier Ratings

Contract notes from product data

How the interest-crediting choices are framed

What to look for before treating the rider as income

Why access rules deserve as much attention as rates

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

Get a personalized NAC Control. X illustration

Related Resources

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