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North American Company


Charter 14

   (RETIRED)

A Fixed Indexed Annuity with a 14-year surrender period.
This product is not available in *** *** *** *** *** *** *** *** ***

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

Rates
  Current Rates
xx/xx/xxxx
Guaranteed
Minimum Values
   Cap Part Rate Cap Part Rate
1-Year Dow Jones Annual Daily Average   ***    ***    ***   *** 
1-Year Dow Jones Annual Point-to-Point   ***    ***    ***   *** 
1-Year Dow Jones EuroStoxx 50 Point-to-Point   ***    ***    ***   *** 
1-Year Hindsight Index Strategy   ***    ***    ***   *** 
1-Year Nasdaq-100 Annual Point-to-Point   ***    ***    ***   *** 
1-Year NASDAQ-100 Monthly Point-to-Point   ***    ***    ***   *** 
1-Year Russell 2000 Annual Daily Average   ***    ***    ***   *** 
1-Year Russell 2000 Annual Point-to-Point   ***    ***    ***   *** 
1-Year S&P 400 Annual Daily Average   ***    ***    ***   *** 
1-Year S&P 400 Annual Point-to-Point   ***    ***    ***   *** 
1-Year S&P 500 Annual Daily Average   ***    ***    ***   *** 
1-Year S&P 500 Annual Point-to-Point   ***    ***    ***   *** 
1-Year S&P 500 Monthly Point-to-Point Cap   ***    ***    ***   *** 
1-Year Fixed   (Rate guaranteed for 1 Year) *.** % *.** %

State Specified Minimum Interest Rate: ****
Premium Bonus
 Year: 1 2 3 4 5 6 7
Bonus Rate: **** **** **** **** **** **** ****

Policy Notes

The @annuit --[ 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 ***** ** *** ****** ****
*****************: **** ****** **** *****

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

MVA Explanation

Market Value Adjus --[ subscription required to view full text ]--
****** ***** ********** - ******** **********
*******

[(* + * - .***)/(* + **)] ^ (*)

* = *** ******* ******** **** (********* *** ********** ********) **** *** ******** ** ******.
** = *** ******* ******** **** (********* *** ********** ********) ******* *** *** ********* ** *** **** ** ******* ** **** *********. * = **** ** ***** ** *******;
****** ** **** **** *** **** ** *** ******* ** **** ********* ** *** *** ** *** ******** **** ******* ** ***; **** ***** ****** ** ***** ********* ** *** ********* ******.

Commissions
Effective date of commission schedule: 01/10/2017
Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.

Option A

Charter 14
(All approved states)
Up to age 75 Year 1 Year 2 Year 3
Initial Premium: **** **** ****
Renewal Premiums: **** **** ****
Ages 76-75 Year 1 Year 2 Year 3
Initial Premium: **** **** ****
Renewal Premiums: **** **** ****

Chargebacks - Initial Term
For death, full surrenders, partial withdrawals and/or Required Minimum Distributions (RMD's) occurring within the first contract anniversary year the following chargeback --[ subscription required to view full text ]--
*********** - ******* ****
*** *****, **** **********, ******* *********** ***/** ******** ******* ************* (***'*) ********* ****** *** ***** ******** *********** **** *** ********* ********** *********** *****: *.) *** ******** ****** *** *** ****** ****, ***** ******** ******, ***** ******** ******, ** **** *, **, *** *** ********: ***% ********** **** *** ***** ** *** *** ***** ***** *** ******** ***** **** ******* *** ***** ******** *********** ****; *** *.) ** **** *, ** *** ***, ***** ******** ****** *** *** ****** **** *******: ***% ********** ****** *** ***** ******** **** *** **% ********** ****** *** ****** ******** ****. *********** ** *** *** ****** **** **** **** ***** ** ********** *** ******. ***** ** ** ********** ** *****. ***** ** ** ********** ** * ****, ****** *** **** ******* *** ****** ** *****.
*** ************* ** ***** ********, ***** ** * ***% ********** ********** ********** *** ****** ********* ****** ****** ** *** ********. ** ******** *** *** ******* ** *** ********, ***** ******** ******** *** ***** ** ********** *********** ** *** ****, ** *** **** **********, ******** ** ********** * *** * ** *** ***** ********, ***** ** ********* ************ ******.
*********** - ********
*** **** ********** ** ******* *********** ***** ******* ** * *****-**** ********** ******* (**** ***** ***** **** * ********* ****** ** * ***** ** ******) **-***** *********** **** ********** ** ***% **** *** **** ** **-***** ******* *** *** ** *** ***** * ******, *** ********** ** **% **** *** ***** ** *** ******* ***** ***** *** **-***** **** ******* *** ***** ******** *********** **** ***** **-*****. ***** ** ** **-***** *********** ********** ** *** ***** ** ***** ** ***. ********** *****;
*** ********* **** ******** ** $***,** ** ****, *********** **** ** **** *** * ****** *** ****-**** ****** (********* ** **** ** ******** ***** ****** *******) ** *** *****.
******* ************ ****** ** ***** *** ***** **** **** ** *******, ******* ********* ******* ** ***-***-**** *** ******** *******.


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