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    North American Company


    Pillar

       (RETIRED)

    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
       Cap Part Rate Cap Part Rate
    DJ Eurostoxx Point-to-Point w/ Cap   ***    ***    ***   *** 
    DJIA Daily Average w/ Participation   ***    ***    ***   *** 
    DJIA Point-to-Point w/ Cap   ***    ***    ***   *** 
    Hindsight Index Strategy   ***    ***    ***   *** 
    NASDAQ-100 Monthly Point-to-Point   ***    ***    ***   *** 
    NASDAQ-100 Point-to-Point w/ Cap   ***    ***    ***   *** 
    Russell 2000 Daily Average w/ Participation   ***    ***    ***   *** 
    Russell 2000 Point-to-Point w/ Cap   ***    ***    ***   *** 
    S&P 400 Daily Average w/ Participation   ***    ***    ***   *** 
    S&P 400 Point-to-Point w/ Cap   ***    ***    ***   *** 
    S&P 500 Annual Point-to-Point with Cap   ***    ***    ***   *** 
    S&P 500 Daily Averaging w/ Participation   ***    ***    ***   *** 
    S&P 500 Monthly Point-to-Point   ***    ***    ***   *** 
    1-Year Fixed   (Rate guaranteed for 1 Year) *.** % *.** %


    Premium Bonus
     Year: 1 2 3 4 5
    Bonus Rate: **** **** **** **** ****

    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: 01/01/2015
    Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.
    Pillar
    (All approved states)
    Up to age 75  
    Initial Premium: ****
    Ages 76-79  
    Initial Premium: ****

    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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