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    North American Company


    NAC VersaChoice 10 (ELB)


    A Fixed Indexed Annuity with a 10-year surrender period.
    This product is not available in *** *** *** *** *** *** *** *** ***

    Ratings
      A.M. Best :  A+   Fitch:  A+   Standard & Poor's:  A+  

    Rates
      Current Rates
    xx/xx/xxxx    		 Guaranteed
    Minimum Values
     Band $20,000+  Cap Part Rate Cap Part Rate
    S&P 500 MARC 5% Excess Return 2-Year Point to Point w/ PR   ***    ***    ***   *** 
    1 Year Goldman Sachs Equity TimeX Index Point to Point Participation Rate   ***    ***    ***   *** 
    2 Year Goldman Sachs Equity TimeX Index with Participation Rate   ***    ***    ***   *** 
    Fidelity Multifactor Yield 5% ER 2 year Point to Point w/ Enhanced PR   ***    ***    ***   *** 
    Fidelity Multifactor Yield 5% ER 2-Year Point to Point w/ PR   ***    ***    ***   *** 
    Fidelity Multifactor Yield 5% ER Annual Point to Point w/ Enhanced PR   ***    ***    ***   *** 
    Fidelity Multifactor Yield 5% ER Annual Point to Point w/ PR   ***    ***    ***   *** 
    Morgan Stanley Dynamic Global Index Annual Point-to-Point with Enhanced Participation Rate   ***    ***    ***   *** 
    Morgan Stanley Dynamic Global Index Annual Point-to-Point with Participation Rate   ***    ***    ***   *** 
    Morgan Stanley Dynamic Global Index Two-year Point-to-Point with Enhanced Participation Rate   ***    ***    ***   *** 
    Morgan Stanley Dynamic Global Index Two-year Point-to-Point with Participation Rate   ***    ***    ***   *** 
    S&P 500 2-Year Point to Point with Participation Rate   ***    ***    ***   *** 
    S&P 500 Annual Point to Point Cap   ***    ***    ***   *** 
    S&P 500 Annual Point to Point Participation Rate   ***    ***    ***   *** 
    S&P 500 MARC 5% Excess Return Annual Point to Point w/ PR   ***    ***    ***   *** 
    S&P 500 Monthly Point to Point Cap   ***    ***    ***   *** 
    Fixed Rate   (Rate guaranteed for 1 Year) *.** % *.** %
     Band $75,000+  Cap Part Rate Cap Part Rate
    S&P 500 MARC 5% Excess Return 2-Year Point to Point w/ PR   ***    ***    ***   *** 
    1 Year Goldman Sachs Equity TimeX Index Point to Point Participation Rate   ***    ***    ***   *** 
    2 Year Goldman Sachs Equity TimeX Index with Participation Rate   ***    ***    ***   *** 
    Fidelity Multifactor Yield 5% ER 2 year Point to Point w/ Enhanced PR   ***    ***    ***   *** 
    Fidelity Multifactor Yield 5% ER 2-Year Point to Point w/ PR   ***    ***    ***   *** 
    Fidelity Multifactor Yield 5% ER Annual Point to Point w/ Enhanced PR   ***    ***    ***   *** 
    Fidelity Multifactor Yield 5% ER Annual Point to Point w/ PR   ***    ***    ***   *** 
    Morgan Stanley Dynamic Global Index Annual Point-to-Point with Enhanced Participation Rate   ***    ***    ***   *** 
    Morgan Stanley Dynamic Global Index Annual Point-to-Point with Participation Rate   ***    ***    ***   *** 
    Morgan Stanley Dynamic Global Index Two-year Point-to-Point with Enhanced Participation Rate   ***    ***    ***   *** 
    Morgan Stanley Dynamic Global Index Two-year Point-to-Point with Participation Rate   ***    ***    ***   *** 
    S&P 500 2-Year Point to Point with Participation Rate   ***    ***    ***   *** 
    S&P 500 Annual Point to Point Cap   ***    ***    ***   *** 
    S&P 500 Annual Point to Point Participation Rate   ***    ***    ***   *** 
    S&P 500 MARC 5% Excess Return Annual Point to Point w/ PR   ***    ***    ***   *** 
    S&P 500 Monthly Point to Point Cap   ***    ***    ***   *** 
    Fixed Rate   (Rate guaranteed for 1 Year) *.** % *.** %

    State Specified Minimum Interest Rate: ****
    Premium Bonus
    - none -

    Policy Notes

    The @annuityname@ with Enhan --[ subscription required to view full text ]--
    *** @***********@ **** ******** ********* ******* ********, ** * ******** ****** ******* ***** ***** ******* **** ** ******** ***** *** ** ********** *** **** ****** *** ****** ** **** ** **** *****, ******. *** ***** **** **** ** * **** ***** ** *** ***** ** ***** ******* (** ***** ********) *** ******. ***** ******** *** **** ** ****** ***********, *** **** *** *** ** ****** ********** ** *** ***** ******. *** **** *** ****** *** **** ** *** ******’* ****** ** ** *****. ** **** *****, **** *** ****** **** **** ***** ** ******** ***** *****, **** ******* **** ***** ** ** **** ** ********** *** ** ***** ******.

    Provisions
    Free Look Period: ****
    (Free look period may vary by state)
    Rate Lock Protection: ****
    Bail Out Provision Available: ***
    *** *** ***: ****
    Loan Provision Available: ***
    *** *** ***: ****
    Tax Sheltered: ***
    Market Value Adjustment: ***
    MRD: ***
    Front-End Fee: ***
    Annual Maintenance Fee: ***
    Return of Premium Available: ***
    Death Benefit is: *** ****
    Premiums
      Non-Qual Qualified
    Min Single Premium: **** *******
    Max Single Premium:
    Age < xx: **** *******
    Age > xx: **** *******
    Payroll Deduction: **** ****
    Min Added Premium: **** ****
    Flexible Premiums ******* : ****  
    Min Single Premium Impaired: ****** ******
    Min Single Premium Period Certain: ****** ******
    		 
    Age Restrictions
      Min Age Non-Qual Qualified
    Owner:   ***** *****
    Annuitant: ***** ***** *****
    Impaired:   ***** *****
    Annuitization Age:   ***** *****

    ***** ***** ***** ****** *** **** * ***** ****** *** ****** ***** ** ******** *** ***** ***** ***** ****** *** **** * ***** ***** ***** ***** ****** *** **** * *****


    Systematic Withdrawals


    Systematic withdrawals are ***** ** *** ****** ****
    *****************: **** ****** **** *****

    **** *** ***** ** $****.**
    *** *** ****** *** $****.**
    **** ***** ******* ***** ******* * ****** ***** ****

    State Specific Notes

    The maturity age in --[ subscription required to view full text ]--
    *** ******** *** ** *** ********* ** ***.

    MVA Explanation

    The @annuityname@ inclu --[ subscription required to view full text ]--
    *** @***********@ ******** ** ****** ***** ********** **** ** ******* **** ****** *** ********* ****** ****** ** **** ********** *** ** *** ******* ********* ** ****** ** *** ********** *******-**** ******* ********* ******. **** ********** *** ******** ** ******** *** ********* ***** ** *** ****** ** * ******* ********* ********* ** *** ****** ** *** ***** ***** ** *** ****** ***** ********** ******** ***** ****** *** ****** ***** *** ********* **** *******.

    Commissions
    Effective date of commission schedule: 05/02/2023
    Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.

    Option A

    NAC VersaChoice 10 (ELB)
    (All approved states)
    		 Ages 40-75  
    Initial Premium: ****
    Ages 76-79  
    Initial Premium: ****
    Ages 80+  
    Initial Premium: ****

    Option B

    NAC VersaChoice 10 (ELB)
    		Ages 40-75  
    Initial Premium: ****
    Trail: Trail years ***+ is *****
    Ages 76-79  
    Initial Premium: ****
    Trail: Trail years ***+ is *****
    Ages 80+  
    Initial Premium: ****
    Trail: Trail years ***+ is *****

    Option C

    NAC VersaChoice 10 (ELB)
    		Ages 40-75  
    Initial Premium: ****
    Trail: Trail years ***+ is *****
    Ages 76-79  
    Initial Premium: ****
    Trail: Trail years ***+ is *****
    Ages 80+  
    Initial Premium: ****
    Trail: Trail years ***+ is *****

    Option D

    NAC VersaChoice 10 (ELB)
    		Up to age 75  
    Initial Premium: ****
    Trail: Trail years ***+ is *****
    Ages 76-79  
    Initial Premium: ****
    Trail: Trail years ***+ is *****
    Ages 80+  
    Initial Premium: ****
    Trail: Trail years ***+ is *****

    Related Information

    Other North American Company Products

    MYGA
    NAC Guarantee Plus 3
    NAC Guarantee Plus 5
    NAC Guarantee Plus 7
    Fixed Indexed Annuity
    BenefitSolutions 10
    Charter Plus 10
    Charter Plus 10 (State Variations)
    Charter Plus 10 CA
    Charter Plus 14
    Charter Plus 14 CA
    Income Pay Pro 10
    NAC Control. X
    NAC VersaChoice 10
    Performance Choice 8
    PrimePath Pro 10
    PrimePath Pro 12
    Secure Horizon
    Secure Horizon Choice 5
    Secure Horizon Choice 7
    Secure Horizon Plus
    SPIA
    NA Income

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