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Fixed Indexed Annuity

PrimePath Pro 10

North American Company

8.5%

Best Cap

7%

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.

GLWB lifetime payout rate

4.7% lifetime payout

A ten-year-surrender fixed indexed annuity from an A+ rated North American with a real optional 'Lifetime Payment Amount (LPA) Rider' GMWB available in Level Income and Increasing Income flavors at multiple withdrawal-rate tiers, a competitive S&P 500 annual cap and proprietary-index participation menu underneath, a published annual free-withdrawal allowance, and a nursing-home surrender waiver.

RMD-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 GMWB rider with a choice between flat and step-up income designs, and a competitive underlying S&P 500 cap to grow the account value behind the rider.

AM Best

A+ Superior

Surrender period

10 years

Free withdrawal

7%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

8.5% cap rate

S&P 500

S&P 500 Index

2.5% cap rate

S&P 500

S&P 500 Index

35% participation rate

Fixed Account

Fixed Account

3.7% declared rate

+ 14 volatility-controlled index options (Morgan Stanley, S&P Maestro, S&P MARC...)

Lifetime Income Riders

Income rider

Payment Amount (LPA) Rider - Income

RMD friendly
Lifetime payout rate4.7% lifetime payout

Income rider

Payment Amount (LPA) Rider - Increasing Income

RMD friendly
Lifetime payout rate4.7% lifetime payout

Product analyst notes

How to think about this contract

Why it can stand out

  • Lifetime income comes via a real optional 'Lifetime Payment Amount (LPA) Rider' GMWB available in two designs (Level Income and Increasing Income), each published at multiple withdrawal-rate tiers — so buyers can pick the rider design and the tier that match their issue age and deferral horizon.
  • Underlying strategy menu blends a competitive S&P 500 annual point-to-point cap with an S&P 500 monthly-sum cap and participation strategies on Morgan Stanley Dynamic Global, S&P MARC, S&P Maestro, and Morgan Stanley Dynamic Contribution proprietary indexes — providing both a like-for-like growth path and higher-participation alternatives to feed the account value behind the rider.
  • Published annual free-withdrawal allowance is shown on the page alongside a nursing-home surrender-charge waiver — penalty-free liquidity and a named life-event exit are both 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.

What to confirm

  • The Level Income and Increasing Income variants of the LPA Rider publish meaningfully different withdrawal rates — the Increasing Income variant starts at a lower rate in exchange for index-linked step-ups. Compare both designs against your income-start timeline before electing one.
  • The Lifetime Payment Amount Rider publishes its withdrawal rates at multiple issue-age tiers — the highest published rate applies only at the highest tier. Confirm the tier that applies at your own issue age before assuming the headline number.
  • The S&P 500 monthly-sum cap is not directly comparable to the annual cap (a monthly-sum cap caps monthly gains but not monthly losses) — treat the annual cap, not the monthly-sum cap, as the headline cap underneath the rider.
  • The contract carries a ten-year surrender schedule. Buyers who may need to exit before electing lifetime income should price the early-exit cost against the rider value, since exiting forfeits the rider promise entirely.

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 buyers who want a longer 12-year surrender with the same rider design (look at the PrimePath Pro 12 sibling instead).

All crediting strategies

View rate listings (36 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: 200% · 1-yr

Morgan Stanley Dynamic Global Index

Strategy Fee Included · participation

10-yr surrender

Par: 185% · 1-yr

S&P MARC 5% Excess Return

Strategy Fee Included · participation

10-yr surrender

Par: 165% · 1-yr

S&P Maestro 5 Index Excess Return

Strategy Fee Included · participation

10-yr surrender

Par: 160% · 1-yr

Morgan Stanley Dynamic Global Index

participation

10-yr surrender

Par: 145% · 1-yr

Morgan Stanley Dynamic Contribution Index

participation

10-yr surrender

Par: 100% + Spread: 0% · 1-yr

S&P Maestro 5 Index Excess Return

participation

10-yr surrender

Par: 100% + Spread: 0% · 1-yr

S&P MARC 5% Excess Return

participation

10-yr surrender

Par: 100% + Spread: 2% · 1-yr

S&P 500 Low Volatility Daily Risk Control 5% USD Total Return Index

participation

10-yr surrender

Par: 35% · 1-yr

S&P 500 Index

participation

10-yr surrender

Cap: 8.5% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 3.7% · 1-yr

Fixed Account

fixed

10-yr surrender

Cap: 2.5% · 1-yr

S&P 500 Index

monthly_sum_cap

10-yr surrender

Par: 285% + Spread: 4% · 2-yr

Morgan Stanley Dynamic Contribution Index

participation

10-yr surrender

Par: 270% · 2-yr

Morgan Stanley Dynamic Global Index

Strategy Fee Included · participation

10-yr surrender

Par: 250% · 2-yr

S&P MARC 5% Excess Return

Strategy Fee Included · participation

10-yr surrender

Par: 235% · 2-yr

S&P Maestro 5 Index Excess Return

Strategy Fee Included · participation

10-yr surrender

Par: 220% · 2-yr

Morgan Stanley Dynamic Global Index

participation

10-yr surrender

Par: 200% · 2-yr

Morgan Stanley Dynamic Contribution Index

participation

10-yr surrender

Par: 200% · 1-yr

Morgan Stanley Dynamic Global Index

Strategy Fee Included

Par: 185% · 1-yr

S&P MARC 5% Excess Return

Strategy Fee Included

Par: 165% · 1-yr

S&P Maestro 5 Index Excess Return

Strategy Fee Included

Par: 160% · 1-yr

Morgan Stanley Dynamic Global Index

Par: 145% · 1-yr

Morgan Stanley Dynamic Contribution Index

Par: 100% + Spread: 0% · 1-yr

S&P Maestro 5 Index Excess Return

Par: 100% + Spread: 0% · 1-yr

S&P MARC 5% Excess Return

Par: 100% + Spread: 2% · 1-yr

S&P 500 Low Volatility Daily Risk Control 5% USD Total Return Index

Par: 35% · 1-yr

S&P 500 Index

Cap: 8.5% · 1-yr

S&P 500 Index

Fixed: 3.7% · 1-yr

Fixed Account

Cap: 2.5% · 1-yr

S&P 500 Index

Par: 285% + Spread: 4% · 2-yr

Morgan Stanley Dynamic Contribution Index

Par: 270% · 2-yr

Morgan Stanley Dynamic Global Index

Strategy Fee Included

Par: 250% · 2-yr

S&P MARC 5% Excess Return

Strategy Fee Included

Par: 235% · 2-yr

S&P Maestro 5 Index Excess Return

Strategy Fee Included

Par: 220% · 2-yr

Morgan Stanley Dynamic Global Index

Par: 200% · 2-yr

Morgan Stanley Dynamic Contribution Index

Income riders

Income rider

Lifetime Payment Amount (LPA) Rider - Level Income

RMD friendly
Lifetime withdrawal rate4.7%
Annual rider feeNot shown
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120

GMWB

Income rider

Lifetime Payment Amount (LPA) Rider - Increasing Income

RMD friendly
Lifetime withdrawal rate4.7%
Annual rider feeNot shown
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120

GMWB

Income rider

Lifetime Payment Amount (LPA) Rider - Level Income

RMD friendly
Lifetime withdrawal rate4.2%
Annual rider feeNot shown
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120

GMWB

Income rider

Lifetime Payment Amount (LPA) Rider - Increasing Income

RMD friendly
Lifetime withdrawal rate4.2%
Annual rider feeNot shown
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120

GMWB

Key Features

Free withdrawal

7%/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: 0.10%

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

9%

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

40073Z - PrimePath Pro 10 brochure.pdf

Confidence: highReviewed Apr 1, 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

PrimePath Pro 10 currently shows 18 distinct indexed or fixed crediting choices across 36 current rate listings, including S&P 500 Index and S&P 500 Low Volatility Daily Risk Control 5% USD Total Return Index, with 13 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: 8.5% cap
  • S&P 500 Index: 2.5% cap
  • S&P 500 Index: 35% participation

Income rider language

What to look for before treating the rider as income

Lifetime Payment Amount (LPA) 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.

  • 4.7% withdrawal rate
  • RMD friendly

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.

  • 7%/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 40073Z - PrimePath Pro 10 brochure.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 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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