NAC Max Elite Guarantee
North American Company
5.05%
5-yr guarantee
10%
Free W/D
48
Jurisdictions
Live product data
Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.
5-year guaranteed rate
5.05% guaranteed for 5 years
A North American MYGA in the 'Max Elite' brand — 3-, 5-, and 7-year guarantee periods on a seven-year surrender ladder, with a published annual free-withdrawal allowance and nursing-home and RMD surrender waivers, narrower state availability than the sibling Guarantee Plus filing, backed by an A+ rated carrier.
Best fit
Safety-first buyers in an available state who want a known, contractually guaranteed annual rate from an A+ rated carrier with a choice of 3-, 5-, or 7-year rate-lock periods on a single filing and a meaningful published free-withdrawal allowance, and who have explicitly compared the rate-card on this filing against the sibling Guarantee Plus filing.
AM Best
A+ Superior
Surrender period
7 years
Free withdrawal
10%/yr
Product analyst notes
How to think about this contract
Why it can stand out
- Three published guarantee periods — 3-year, 5-year, and 7-year — on a single filing, so a buyer can match the rate-lock window to their own planning horizon without picking a different product.
- Published annual free-withdrawal allowance gives the buyer meaningful penalty-free liquidity inside the surrender schedule.
- Two published surrender-charge waivers (nursing home confinement + RMD waiver) give named exits from the surrender schedule for the life events most likely to force an early withdrawal.
- Carrier financial-strength is rated by more than one agency on this page, so the strength view sitting behind the fixed-rate guarantee is not a single-source read.
What to confirm
- The seven-year surrender schedule runs the full length of the longest published term — buyers who pick the 3-year guarantee period will still face a surrender charge on the 4th through 7th contract years if they exit the contract before the surrender schedule fully releases. Match the guarantee period to your expected hold period explicitly.
- State availability on this filing is narrower than the sibling NAC Guarantee Plus MYGA — the page state count reflects an excluded-states set, not a clean 50-state product. Confirm your state is on the filing before assuming the headline rate applies to you.
- There is no premium bonus, no return-of-premium feature, and no index-linked upside on this filing — the entire value proposition is the declared guaranteed rate for the chosen term. The death benefit is the standard contract value.
- The carrier publishes two MYGA brands ('Max Elite Guarantee' here and 'Guarantee Plus') side by side — rate-card pricing and state availability differ between the two. Compare the published rates on both filings for the same term before locking in, because they are not identical.
Not ideal for
Buyers in a state not on this filing's narrower availability list (look at the Guarantee Plus sibling), buyers who want index-linked upside, buyers who need a guaranteed-lifetime-withdrawal income rider, buyers who expect a premium bonus or a return-of-premium feature, or buyers unwilling to match the surrender window to their chosen guarantee period.
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 4.75% |
| 5-Year | 5.05% |
| 7-Year | 5% |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
2Nursing home waiver, RMD waiver
Death benefit
Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single and jointContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
Nursing home waiver, RMD waiver, Surrender waivers
Carrier Ratings
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