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Fixed Indexed Annuity

NAC VersaChoice 10

North American Company

9.6%

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.

S&P 500 annual cap rate

9.6% cap on S&P 500

A ten-year-surrender fixed indexed annuity from an A+ rated North American, built for accumulation through an S&P 500 annual point-to-point cap, an S&P 500 monthly-sum cap, and participation strategies on Morgan Stanley, Fidelity, S&P MARC, and Goldman Sachs proprietary indexes, 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 ten-year FIA deferral who want a recognizable S&P 500 cap as their primary growth engine, value the flexibility to also use monthly-sum or participation crediting on the same contract, and do not need a guaranteed-lifetime-income rider.

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

9.6% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

2.6% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

40% participation rate

Rate varies by premium band.

S&P 500

S&P 500 Index

50% participation rate

Rate varies by premium band.

Fixed Account

Fixed Account

4% declared rate

Rate varies by premium band.

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

Product analyst notes

How to think about this contract

Why it can stand out

  • Ten-year surrender paired with a competitive S&P 500 annual point-to-point cap — among the higher absolute S&P caps published in North American's accumulation-FIA lineup for this surrender length.
  • Strategy menu blends a recognizable S&P 500 annual cap, an S&P 500 monthly-sum cap, and participation strategies on proprietary volatility-controlled indexes — so buyers can pick the crediting mechanic (cap vs. monthly-sum vs. participation) that best fits their market view.
  • Published annual free-withdrawal allowance is shown on the page alongside the ten-year surrender ladder, so penalty-free liquidity 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 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 S&P 500 monthly-sum cap on this contract is sometimes marketed as if it were directly comparable to the annual cap; it is not. A monthly-sum cap caps each month's gain but does not cap monthly losses, so it can underperform an annual cap in years with mid-year volatility. Treat the annual point-to-point cap, not the monthly-sum cap, as the headline.
  • The higher participation rates on this filing sit on proprietary volatility-controlled indexes (Morgan Stanley Dynamic Global, Fidelity Multifactor Yield, S&P MARC, Goldman Sachs Equity TimeX) — 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.
  • There is no premium bonus and no death-benefit roll-up on this filing — the death benefit is the standard accumulation contract value. The ten-year surrender does not buy you a bonus to offset the long lock-up.

Not ideal for

Buyers who need a GLWB income 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 (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: 190% · 1-yr

Morgan Stanley Dynamic Global Index

Strategy Fee Included · participation

10-yr surrender$75,000+

Par: 180% · 1-yr

Fidelity Multifactor Yield Index 5% ER

Strategy Fee Included · participation

10-yr surrender$75,000+

Par: 145% · 1-yr

S&P MARC 5% Excess Return

participation

10-yr surrender$75,000+

Par: 145% · 1-yr

Morgan Stanley Dynamic Global Index

participation

10-yr surrender$75,000+

Par: 140% · 1-yr

Fidelity Multifactor Yield Index 5% ER

participation

10-yr surrender$75,000+

Par: 75% · 1-yr

Goldman Sachs Equity TimeX Index

participation

10-yr surrender$75,000+

Par: 40% · 1-yr

S&P 500 Index

participation

10-yr surrender$75,000+

Cap: 9.6% · 1-yr

S&P 500 Index

cap

10-yr surrender$75,000+

Fixed: 4% · 1-yr

Fixed Account

fixed

10-yr surrender$75,000+

Cap: 2.6% · 1-yr

S&P 500 Index

monthly_sum_cap

10-yr surrender$75,000+

Par: 270% · 2-yr

Morgan Stanley Dynamic Global Index

Strategy Fee Included · participation

10-yr surrender$75,000+

Par: 260% · 2-yr

Fidelity Multifactor Yield Index 5% ER

Strategy Fee Included · participation

10-yr surrender$75,000+

Par: 210% · 2-yr

Fidelity Multifactor Yield Index 5% ER

participation

10-yr surrender$75,000+

Par: 210% · 2-yr

Morgan Stanley Dynamic Global Index

participation

10-yr surrender$75,000+

Par: 200% · 2-yr

S&P MARC 5% Excess Return

participation

10-yr surrender$75,000+

Par: 105% · 2-yr

Goldman Sachs Equity TimeX Index

participation

10-yr surrender$75,000+

Par: 50% · 2-yr

S&P 500 Index

participation

10-yr surrender$75,000+

Par: 190% · 1-yr

Morgan Stanley Dynamic Global Index

Strategy Fee Included

$75,000+

Par: 180% · 1-yr

Fidelity Multifactor Yield Index 5% ER

Strategy Fee Included

$75,000+

Par: 145% · 1-yr

S&P MARC 5% Excess Return

$75,000+

Par: 145% · 1-yr

Morgan Stanley Dynamic Global Index

$75,000+

Par: 140% · 1-yr

Fidelity Multifactor Yield Index 5% ER

$75,000+

Par: 75% · 1-yr

Goldman Sachs Equity TimeX Index

$75,000+

Par: 40% · 1-yr

S&P 500 Index

$75,000+

Cap: 9.6% · 1-yr

S&P 500 Index

$75,000+

Fixed: 4% · 1-yr

Fixed Account

$75,000+

Cap: 2.6% · 1-yr

S&P 500 Index

$75,000+

Par: 270% · 2-yr

Morgan Stanley Dynamic Global Index

Strategy Fee Included

$75,000+

Par: 260% · 2-yr

Fidelity Multifactor Yield Index 5% ER

Strategy Fee Included

$75,000+

Par: 210% · 2-yr

Fidelity Multifactor Yield Index 5% ER

$75,000+

Par: 210% · 2-yr

Morgan Stanley Dynamic Global Index

$75,000+

Par: 200% · 2-yr

S&P MARC 5% Excess Return

$75,000+

Par: 105% · 2-yr

Goldman Sachs Equity TimeX Index

$75,000+

Par: 50% · 2-yr

S&P 500 Index

$75,000+

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.

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%

Documents

product guide

26351Z - NAC VersaChoice 10 Brochure.pdf

Confidence: highReviewed Apr 9, 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 VersaChoice 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: 9.6% cap
  • S&P 500 Index: 2.6% cap
  • S&P 500 Index: 40% participation

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

Verification note

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

Carrier materials such as 26351Z - NAC VersaChoice 10 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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