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North American Company


Charter Plus 10 (State Variations)


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 Spread Part Rate Cap Spread Part Rate
1 Year NASDAQ-100 Monthly Point-to-Point Index Cap Rate   ***    ***   ***    ***   ***   *** 
1 Year S&P 500 Annual Point-to-Point Index Cap Rate   ***    ***   ***    ***   ***   *** 
1 Year S&P 500 Annual Point-to-Point Participation Rate (No Cap)   ***    ***   ***    ***   ***   *** 
1 Year S&P 500 Daily Index Margin (No Cap)   ***    ***   ***    ***   ***   *** 
1 Year S&P 500 Low Volatility Daily Risk Control 5% Index Margin   ***    ***   ***    ***   ***   *** 
1 Year S&P 500 Monthly Point-to-Point Index Cap Rate   ***    ***   ***    ***   ***   *** 
2-Year S&P 500 Low Volatility Daily Risk Control 8% Index Margin   ***    ***   ***    ***   ***   *** 
1 Year Fixed Account Rate   (Rate guaranteed for 1 Year) *.** % *.** %
 Band $75,000+  Cap Spread Part Rate Cap Spread Part Rate
1 Year NASDAQ-100 Monthly Point-to-Point Index Cap Rate   ***    ***   ***    ***   ***   *** 
1 Year S&P 500 Annual Point-to-Point Index Cap Rate   ***    ***   ***    ***   ***   *** 
1 Year S&P 500 Annual Point-to-Point Participation Rate (No Cap)   ***    ***   ***    ***   ***   *** 
1 Year S&P 500 Daily Index Margin (No Cap)   ***    ***   ***    ***   ***   *** 
1 Year S&P 500 Low Volatility Daily Risk Control 5% Index Margin   ***    ***   ***    ***   ***   *** 
1 Year S&P 500 Monthly Point-to-Point Index Cap Rate   ***    ***   ***    ***   ***   *** 
2-Year S&P 500 Low Volatility Daily Risk Control 8% Index Margin   ***    ***   ***    ***   ***   *** 
1 Year Fixed Account Rate   (Rate guaranteed for 1 Year) *.** % *.** %

State Specified Minimum Interest Rate: ****
Premium Bonus for $20,000+ Band
 Year: 1 2 3 4 5 6 7
Bonus Rate: **** **** **** **** **** **** ****
Premium Bonus for $75,000+ Band
 Year: 1 2 3 4 5 6 7
Bonus Rate: **** **** **** **** **** **** ****

Policy Notes

The @annuityname@ is --[ 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 ***** ** *** ****** ****
*****************: **** ****** **** *****

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

Commissions
Effective date of commission schedule: 01/01/2019
Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.

Option A

Charter Plus 10 (State Variations)
(All approved states)
Up to age 75 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10
Initial Premium: **** **** **** **** **** **** **** **** **** ****
Renewal Premiums: **** **** **** **** **** **** **** **** **** ****
Ages 76+ Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10
Initial Premium: **** **** **** **** **** **** **** **** **** ****

Option B

Charter Plus 10 (State Variations)
(All approved states)
Up to age 75 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10
Initial Premium: **** **** **** **** **** **** **** **** **** ****
Renewal Premiums: **** **** **** **** **** **** **** **** **** ****
Trail: Trail years ***+ is *****
Ages 76+ Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10
Initial Premium: **** **** **** **** **** **** **** **** **** ****

Option C

Charter Plus 10 (State Variations)
(All approved states)
Up to age 75 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10
Initial Premium: **** **** **** **** **** **** **** **** **** ****
Renewal Premiums: **** **** **** **** **** **** **** **** **** ****
Trail: Trail years ***+ is *****
Ages 76+ Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10
Initial Premium: **** **** **** **** **** **** **** **** **** ****
Renewal Premiums: **** **** **** **** **** **** **** **** **** ****
Trail: Trail years ***+ is *****

Option D

Charter Plus 10 (State Variations)
(All approved states)
All permitted ages Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10
Initial Premium: **** **** **** **** **** **** **** **** **** ****
Trail: Trail years ***+ is *****

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