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Fixed Indexed Annuity

North American Charter Plus 10

North American Company

5.75%

Best Cap

0.1%

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

5.75% cap on S&P 500

A ten-year-surrender fixed indexed annuity from an A+ rated North American with a published up-front premium bonus, an S&P 500 annual cap and monthly-sum cap, participation strategies on multiple proprietary indexes, a published annual free-withdrawal allowance, and a nursing-home surrender waiver, with no income rider.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers committed to a ten-year FIA deferral who want a premium-bonus-enhanced accumulation contract on a recognizable S&P 500 cap, value crediting flexibility (cap, monthly-sum, participation) inside the same filing, and do not need a guaranteed-lifetime-income rider.

AM Best

A+ Superior

Surrender period

10 years

Free withdrawal

0.1%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

5.75% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

1.25% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

20% participation rate

S&P 500

S&P 500 Index

25% participation rate

Fixed Account

Fixed Account

2.7% declared rate

Fixed Account

Fixed Account

3% declared rate

Rate varies by premium band.

+ 16 volatility-controlled index options (Goldman Sachs, S&P MARC, Fidelity Multifactor...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Published premium bonus credited up front, lifting the contract's account value from day one — visible as a 'Premium bonus' line item on the page, so it is not gated behind a sales brochure.
  • Strategy menu blends a recognizable S&P 500 annual point-to-point cap and a monthly-sum cap with participation strategies on proprietary volatility-controlled indexes (Morgan Stanley Dynamic Global, Fidelity Multifactor Yield, S&P MARC, Goldman Sachs Equity TimeX, Barclays Transitions) — buyers can pick the crediting mechanic that best fits their view.
  • 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 both visible.
  • 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.
  • Premium bonuses on bonus FIAs commonly come with vesting schedules and bonus recapture on early withdrawal — confirm the bonus vesting schedule on this filing with the carrier or brochure before assuming the full bonus is yours at issue. The ten-year surrender schedule sets the outer bound.
  • The S&P 500 monthly-sum cap on this filing is not directly comparable to the annual cap (a monthly-sum cap caps monthly gains but does not cap monthly losses). Treat the annual cap, not the monthly-sum cap, as the headline.
  • The higher participation rates here sit on 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.

Not ideal for

Buyers who need a GLWB income rider, want a shorter surrender commitment, cannot accept the bonus-vesting trade-off that typically accompanies premium-bonus FIAs, or want a non-bonus accumulation FIA with simpler crediting.

All crediting strategies

View rate listings (42 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: 130% · 1-yr

Morgan Stanley Dynamic Global Index

Strategy Fee Included · participation

10-yr surrender$75,000+

Par: 120% · 1-yr

Fidelity Multifactor Yield Index 5% ER

Strategy Fee Included · participation

10-yr surrender$75,000+

Par: 80% · 1-yr

S&P MARC 5% Excess Return

participation

10-yr surrender$75,000+

Par: 80% · 1-yr

Fidelity Multifactor Yield Index 5% ER

participation

10-yr surrender$75,000+

Par: 80% · 1-yr

Morgan Stanley Dynamic Global Index

participation

10-yr surrender$75,000+

Par: 70% · 1-yr

Barclays Transitions 6% Index

participation

10-yr surrender$75,000+

Par: 35% · 1-yr

Goldman Sachs Equity TimeX Index

participation

10-yr surrender$75,000+

Par: 35% · 1-yr

Barclays Transitions 12% Index

participation

10-yr surrender$75,000+

Par: 20% · 1-yr

S&P 500 Index

participation

10-yr surrender$75,000+

Cap: 5.75% · 1-yr

S&P 500 Index

cap

10-yr surrender$75,000+

Fixed: 2.7% · 1-yr

Fixed Account

fixed

10-yr surrender$75,000+

Cap: 1.25% · 1-yr

S&P 500 Index

monthly_sum_cap

10-yr surrender$75,000+

Par: 180% · 2-yr

Fidelity Multifactor Yield Index 5% ER

Strategy Fee Included · participation

10-yr surrender$75,000+

Par: 180% · 2-yr

Morgan Stanley Dynamic Global Index

Strategy Fee Included · participation

10-yr surrender$75,000+

Par: 120% · 2-yr

Morgan Stanley Dynamic Global Index

participation

10-yr surrender$75,000+

Par: 120% · 2-yr

Barclays Transitions 6% Index

participation

10-yr surrender$75,000+

Par: 110% · 2-yr

S&P MARC 5% Excess Return

participation

10-yr surrender$75,000+

Par: 110% · 2-yr

Fidelity Multifactor Yield Index 5% ER

participation

10-yr surrender$75,000+

Par: 65% · 2-yr

Goldman Sachs Equity TimeX Index

participation

10-yr surrender$75,000+

Par: 55% · 2-yr

Barclays Transitions 12% Index

participation

10-yr surrender$75,000+

Par: 25% · 2-yr

S&P 500 Index

participation

10-yr surrender$75,000+

Par: 130% · 1-yr

Morgan Stanley Dynamic Global Index

Strategy Fee Included

$75,000+

Par: 120% · 1-yr

Fidelity Multifactor Yield Index 5% ER

Strategy Fee Included

$75,000+

Par: 80% · 1-yr

S&P MARC 5% Excess Return

$75,000+

Par: 80% · 1-yr

Fidelity Multifactor Yield Index 5% ER

$75,000+

Par: 80% · 1-yr

Morgan Stanley Dynamic Global Index

$75,000+

Par: 70% · 1-yr

Barclays Transitions 6% Index

$75,000+

Par: 35% · 1-yr

Goldman Sachs Equity TimeX Index

$75,000+

Par: 35% · 1-yr

Barclays Transitions 12% Index

$75,000+

Par: 20% · 1-yr

S&P 500 Index

$75,000+

Cap: 5.75% · 1-yr

S&P 500 Index

$75,000+

Fixed: 3% · 1-yr

Fixed Account

$75,000+

Cap: 1.25% · 1-yr

S&P 500 Index

$75,000+

Par: 180% · 2-yr

Fidelity Multifactor Yield Index 5% ER

Strategy Fee Included

$75,000+

Par: 180% · 2-yr

Morgan Stanley Dynamic Global Index

Strategy Fee Included

$75,000+

Par: 120% · 2-yr

Morgan Stanley Dynamic Global Index

$75,000+

Par: 120% · 2-yr

Barclays Transitions 6% Index

$75,000+

Par: 110% · 2-yr

S&P MARC 5% Excess Return

$75,000+

Par: 110% · 2-yr

Fidelity Multifactor Yield Index 5% ER

$75,000+

Par: 65% · 2-yr

Goldman Sachs Equity TimeX Index

$75,000+

Par: 55% · 2-yr

Barclays Transitions 12% Index

$75,000+

Par: 25% · 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.

Surrender waivers

1

Nursing home waiver

Premium bonus

13%

Bonus terms can vary by state, premium band, and rider election.

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

10%

Yr 2

9%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, Surrender waivers

Documents

product guide

25304Z-3.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

North American Charter Plus 10 currently shows 22 distinct indexed or fixed crediting choices across 42 current rate listings, including S&P 500 Index, with 16 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: 5.75% cap
  • S&P 500 Index: 1.25% cap
  • S&P 500 Index: 20% 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.

  • 0.1%/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 25304Z-3.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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