| Feature | Details |
|---|---|
| Product Name | North American NAC Guarantee Plus 5 (w/ liquidity) |
| Insurer | North American Company for Life and Health Insurance |
| Ratings |
|
| Agent/Broker | PlanEasy Inc. |
| Annuity Type | Multi-Year Guaranteed Annuity (MYGA) |
| Term | 5 Years |
| Current Rate for $100,000+ | 4.95% |
| Current Rate for $20,000 - $99,999 | 4.70% |
| Last Rate Change | 5/1/2025, +35bps |
| Interest Type | Compound Interest |
| State Availability | Alaska, Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin |
| Free Withdrawals |
|
| Free RMDs | Yes |
| Death Benefit | Yes |
| MVA | Yes |
| Nursing Home Waiver | Yes |
| Terminal Illness Waiver | No |
| Surrender Charge by Year | 9.0%, 8.0%, 7.0%, 6.0%, 5.0% |
| Funding Sources | Personal Investment, Cash, Traditional IRA, Roth IRA, SEP IRA |
| Terms Available | 3, 5, 7 Years |
| Age Restrictions | 0 to 90 Years Old |
| Premium Band | Effective Date | Guaranteed 5-Year Yield to Surrender |
|---|---|---|
| $100,000+ | 5/1/2025 | 4.95% |
| 4/11/2025 | 4.60% | |
| 2/14/2025 | 5.05% | |
| 1/9/2025 | 5.15% | |
| $20,000 - $99,999 | 5/1/2025 | 4.70% |
| 4/11/2025 | 4.35% | |
| 2/14/2025 | 4.80% | |
| 1/9/2025 | 4.90% |