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North American Company


RetireChoice 10 OABR


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 Dow Jones Monthly Average PR   ***    ***   ***    ***   ***   *** 
1-Year Dow Jones Point-to-Point Cap   ***    ***   ***    ***   ***   *** 
1-Year Inverse Performance Trigger Trigger: 5.75
 ***   ***    ***   ***   *** 
1-Year London (PM)Gold Fixing Price   ***    ***   ***    ***   ***   *** 
1-Year Nasdaq 100 Monthly Point-to-Point Cap   ***    ***   ***    ***   ***   *** 
1-Year Nasdaq 100 Point-to-Point Cap   ***    ***   ***    ***   ***   *** 
1-Year S&P 400 Monthly Average PR   ***    ***   ***    ***   ***   *** 
1-Year S&P 400 Point-to-Point Cap   ***    ***   ***    ***   ***   *** 
1-Year S&P 500 Low VC Daily Risk Ctrl 5%   ***    ***   ***    ***   ***   *** 
1-Year S&P 500 Monthly Average PR   ***    ***   ***    ***   ***   *** 
1-Year S&P 500 Monthly Point-to-Point Cap   ***    ***   ***    ***   ***   *** 
1-Year S&P 500 Point-to-Point Cap   ***    ***   ***    ***   ***   *** 
2-Year S&P 500 Low VC Daily Risk Ctrl 8%   ***    ***   ***    ***   ***   *** 
2-Year S&P 500 Point-to-Point Cap   ***    ***   ***    ***   ***   *** 
1 Year Fixed Account   (Rate guaranteed for 1 Year) *.** % *.** %
 Band $250,000+  Cap Spread Part Rate Cap Spread Part Rate
1-Year Dow Jones Monthly Average PR   ***    ***   ***    ***   ***   *** 
1-Year Dow Jones Point-to-Point Cap   ***    ***   ***    ***   ***   *** 
1-Year Inverse Performance Trigger Trigger: 5.95
 ***   ***    ***   ***   *** 
1-Year London (PM)Gold Fixing Price   ***    ***   ***    ***   ***   *** 
1-Year Nasdaq 100 Monthly Point-to-Point Cap   ***    ***   ***    ***   ***   *** 
1-Year Nasdaq 100 Point-to-Point Cap   ***    ***   ***    ***   ***   *** 
1-Year S&P 400 Monthly Average PR   ***    ***   ***    ***   ***   *** 
1-Year S&P 400 Point-to-Point Cap   ***    ***   ***    ***   ***   *** 
1-Year S&P 500 Low VC Daily Risk Ctrl 5%   ***    ***   ***    ***   ***   *** 
1-Year S&P 500 Monthly Average PR   ***    ***   ***    ***   ***   *** 
1-Year S&P 500 Monthly Point-to-Point Cap   ***    ***   ***    ***   ***   *** 
1-Year S&P 500 Point-to-Point Cap   ***    ***   ***    ***   ***   *** 
2-Year S&P 500 Low VC Daily Risk Ctrl 8%   ***    ***   ***    ***   ***   *** 
2-Year S&P 500 Point-to-Point Cap   ***    ***   ***    ***   ***   *** 
1 Year Fixed Account   (Rate guaranteed for 1 Year) *.** % *.** %

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

Policy Notes

The @annuityName@ Annuity is a flexible premium fixed index annuity that pays a @premiumBonus@ premium bonus on premiums pa --[ 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

    Two Year Point-to-Po --[ subscription required to view full text ]--
    *** **** *****-**-***** ********* ****** **** ***** ****** ** *** ********* ** **** ****: **, **, **, **

    MVA Explanation

    Interest Adjustment:
    --[ subscription required to view full text ]--
    ******** **********:
    *** @***********@ ******** ** ******** **********, ***** ********* ****** *** ******* ** ****** ****** ******** ***** **** ** ******** ******* ** ******** **********. ** ** ******* **** ****** *** ******** ********** ****** ** **** ********** *** ** *** ******* ********* ** ****** ** *** ********** *******-**** ******* ********* ******. **** ********** *** ******** ** ******** *** ********* ***** ********* ** *** ****** ** ******** ***** ****** *** ****** ***** *** ********* **** @***********@ *******. *** *** “************* *** ******** **********” ******** *** **** ***********. ****: *** ********** ** *** ******.

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

    Option A

    RetireChoice 10 OABR
    (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: **** **** **** **** **** **** **** **** **** ****
    Renewal Premiums: **** **** **** **** **** **** **** **** **** ****

    Option B

    RetireChoice 10 OABR
    (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 C

    RetireChoice 10 OABR
    (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

    RetireChoice 10 OABR
    (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: **** **** **** **** **** **** **** **** **** ****
    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: **** **** **** **** **** **** **** **** **** ****
    Trail: Trail years ***+ is *****

    403(b) Salary Reduct --[ subscription required to view full text ]--
    ***(*) ****** **********
    ********** *** ****** ********* **** *** *** *** ***(*) ****** ********* ********. ***** **** ** *** ** ***** ****** * ** ***** ** ******* *** ********* *********** ****** *****.


    Related Information

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