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Fixed Indexed Annuity

NAC Guaranteed Allocation

North American Company

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.

Fixed account declared rate

3.8% fixed account

A five-year-surrender fixed indexed annuity from an A+ rated North American with a model-blend strategy menu (Model Blend A/B/C/D) rather than published index caps or participation rates, with no income rider, no premium bonus, and a published annual free-withdrawal allowance.

Declared rateAdvisorWorld + CANNEX data

Best fit

Buyers who want a short five-year FIA commitment and prefer a packaged model-allocation approach over picking individual index caps and participation rates year by year, and who do not need a guaranteed lifetime-income rider.

AM Best

A+ Superior

Surrender period

5 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

Fixed Account

Fixed Account

3.8% declared rate

+ 4 volatility-controlled index options (Model Blend...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Five-year surrender — a short FIA commitment window relative to the 10- and 14-year filings elsewhere in this carrier's lineup, so principal is locked for a relatively short horizon.
  • Strategy design is model-blend rather than cap-on-an-index — the buyer picks among packaged allocations (Model Blend A/B/C/D) instead of building from individual index caps and participation rates, which simplifies the decision for buyers who do not want to manage strategy selection year-by-year.
  • Published annual free-withdrawal allowance is shown on the page alongside the five-year surrender ladder, so penalty-free liquidity is explicit.
  • Carrier financial-strength is rated by more than one agency on this page, so the strength view 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 strategy menu does NOT publish cap rates, participation rates, or fixed-rate triggers on the model blends themselves. Buyers cannot do a like-for-like 'best S&P 500 cap' comparison against other FIAs on this product — the only quantifiable rate published is the fixed account rate. Read the carrier brochure for the specific composition and historical behavior of each Model Blend before electing one.
  • There is no premium bonus and no death-benefit roll-up on this filing — the death benefit is the standard accumulation contract value.
  • The guaranteed-minimum interest-rate floor on this contract is set higher than the strategy-guarantee floor published on many other FIAs in this carrier's lineup — modestly favorable for downside protection but not directly comparable to a cap-led product.

Not ideal for

Buyers who want to compare individual S&P 500 caps and participation rates head-to-head against other FIAs, need a GLWB income rider, expect a premium bonus or a death-benefit roll-up, or want a longer rate-lock window than five years.

All crediting strategies

View rate listings (6 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.

Fixed: 3.8% · 1-yr

Fixed Account

fixed

5-yr surrender

Fixed: 3.8% · 1-yr

Fixed Account

Rate not shown · 1-yr

Model Blend A

Model Blend A

Rate not shown · 1-yr

Model Blend B

Model Blend B

Rate not shown · 1-yr

Model Blend C

Model Blend C

Rate not shown · 1-yr

Model Blend D

Model Blend D

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

Guaranteed minimum interest rate (fixed): 1.00%

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%

Yr 3

7%

Yr 4

6%

Yr 5

5%

After

0%

Nursing home waiver, Surrender waivers

Documents

product guide

38539Z-1 - NAC Guaranteed Allocation 5 brochure.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 Guaranteed Allocation currently shows 5 distinct indexed or fixed crediting choices across 6 current rate listings, including Fixed Account, 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.

  • Fixed Account: 3.8% fixed

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
  • 5 surrender years
  • Nursing home waiver

Verification note

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

Carrier materials such as 38539Z-1 - NAC Guaranteed Allocation 5 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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