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Fixed Indexed Annuity

Performance Choice 8

North American Company

8.4%

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

8.4% cap on S&P 500

An eight-year-surrender fixed indexed annuity from an A+ rated North American, built for cap-led accumulation through a competitive S&P 500 annual point-to-point cap alongside an S&P 500 monthly-sum cap and participation strategies on multiple proprietary indexes, with no income rider, no premium bonus, a published annual free-withdrawal allowance, and a nursing-home surrender waiver.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers who want a mid-length eight-year FIA commitment focused on cap-led accumulation with a strong S&P 500 cap, value the optional flexibility to also use monthly-sum or proprietary-index participation crediting inside the same contract, and do not need a guaranteed-lifetime-income rider.

AM Best

A+ Superior

Surrender period

8 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

2.55% cap rate

S&P 500

S&P 500 Index

8.4% cap rate

S&P 500

S&P 500 Index

35% participation rate

S&P 500

S&P 500 Index

45% participation rate

Fixed Account

Fixed Account

4% declared rate

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

Product analyst notes

How to think about this contract

Why it can stand out

  • Eight-year surrender — a shorter rate-lock window than the 10-year accumulation FIAs in this carrier's lineup, paired with a competitive S&P 500 annual point-to-point cap that is among the higher absolute caps in the lineup at 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 (Morgan Stanley Dynamic Global, Fidelity Multifactor Yield, S&P MARC, Goldman Sachs Equity TimeX) — buyers can pick the crediting mechanic that best fits their view.
  • Published annual free-withdrawal allowance and a nursing-home surrender-charge waiver are both shown on the page, so penalty-free liquidity and a named life-event exit are explicit inside the eight-year surrender window.
  • 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 filing is not directly comparable to the annual cap (a monthly-sum cap caps each month's gain but not each month's loss). Treat the annual 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 historical behavior.
  • There is no premium bonus on this filing — the contract is a clean cap-led accumulation FIA without the bonus/cap-drag trade-off seen on the Charter Plus or Secure Horizon Accelerator/Plus siblings.

Not ideal for

Buyers who need a GLWB income rider, want a longer ten-year rate-lock window, want a premium bonus to offset the surrender, or want a richer proprietary-index lineup (look at the Secure Horizon family instead).

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: 185% · 1-yr

Morgan Stanley Dynamic Global Index

Strategy Fee Included · participation

8-yr surrender

Par: 175% · 1-yr

Fidelity Multifactor Yield Index 5% ER

Strategy Fee Included · participation

8-yr surrender

Par: 140% · 1-yr

S&P MARC 5% Excess Return

participation

8-yr surrender

Par: 140% · 1-yr

Morgan Stanley Dynamic Global Index

participation

8-yr surrender

Par: 135% · 1-yr

Fidelity Multifactor Yield Index 5% ER

participation

8-yr surrender

Par: 70% · 1-yr

Goldman Sachs Equity TimeX Index

participation

8-yr surrender

Par: 35% · 1-yr

S&P 500 Index

participation

8-yr surrender

Cap: 8.4% · 1-yr

S&P 500 Index

cap

8-yr surrender

Fixed: 4% · 1-yr

Fixed Account

fixed

8-yr surrender

Cap: 2.55% · 1-yr

S&P 500 Index

monthly_sum_cap

8-yr surrender

Par: 265% · 2-yr

Morgan Stanley Dynamic Global Index

Strategy Fee Included · participation

8-yr surrender

Par: 255% · 2-yr

Fidelity Multifactor Yield Index 5% ER

Strategy Fee Included · participation

8-yr surrender

Par: 205% · 2-yr

Fidelity Multifactor Yield Index 5% ER

participation

8-yr surrender

Par: 205% · 2-yr

Morgan Stanley Dynamic Global Index

participation

8-yr surrender

Par: 195% · 2-yr

S&P MARC 5% Excess Return

participation

8-yr surrender

Par: 100% · 2-yr

Goldman Sachs Equity TimeX Index

participation

8-yr surrender

Par: 45% · 2-yr

S&P 500 Index

participation

8-yr surrender

Par: 185% · 1-yr

Morgan Stanley Dynamic Global Index

Strategy Fee Included

Par: 175% · 1-yr

Fidelity Multifactor Yield Index 5% ER

Strategy Fee Included

Par: 140% · 1-yr

S&P MARC 5% Excess Return

Par: 140% · 1-yr

Morgan Stanley Dynamic Global Index

Par: 135% · 1-yr

Fidelity Multifactor Yield Index 5% ER

Par: 70% · 1-yr

Goldman Sachs Equity TimeX Index

Par: 35% · 1-yr

S&P 500 Index

Cap: 8.4% · 1-yr

S&P 500 Index

Fixed: 4% · 1-yr

Fixed Account

Cap: 2.55% · 1-yr

S&P 500 Index

Par: 265% · 2-yr

Morgan Stanley Dynamic Global Index

Strategy Fee Included

Par: 255% · 2-yr

Fidelity Multifactor Yield Index 5% ER

Strategy Fee Included

Par: 205% · 2-yr

Fidelity Multifactor Yield Index 5% ER

Par: 205% · 2-yr

Morgan Stanley Dynamic Global Index

Par: 195% · 2-yr

S&P MARC 5% Excess Return

Par: 100% · 2-yr

Goldman Sachs Equity TimeX Index

Par: 45% · 2-yr

S&P 500 Index

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

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%

After

0%

Nursing home waiver, Surrender waivers

Documents

rider disclosure

32715Z-20-1.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

Performance Choice 8 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: 2.55% cap
  • S&P 500 Index: 8.4% cap
  • S&P 500 Index: 35% 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
  • 8 surrender years
  • Nursing home waiver

Verification note

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

Carrier materials such as 32715Z-20-1.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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