Max Elite Accumulation 10
North American Company
11.5%
Best Cap
10%
Free W/D
49
States
A fixed deferred annuity that locks in competitive interest rates for your chosen time period while your money grows tax-deferred. Best for conservative investors seeking predictable growth with flexibility.
Free Withdrawal
10%/yr
Available In
49 states
Min Premium
$20,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| S&P 500 Dynamic Intraday TCA Index (USD) ER | Annual | 11.5% | 100% | -- |
| S&P 500 Index | Annual | 8.15% | 100% | -- |
| Fixed Account | Daily | -- | -- | 3.85% |
Key Features
Guarantee Periods
Multiple options availableChoose from 3, 5, 6, 7, or 10-year guarantee periods
Minimum Premium
$5,000Low entry point for getting started
Rate Enhancement
Starts at $100,000 premiumHigher interest rates for larger investments
Health Waivers
Terminal illness, confinement, and disability waiversAccess funds without penalties for health emergencies
Tax-Deferred Growth
Until withdrawalInterest compounds without current taxation
Death Benefit
Bypasses probateFull value passes to beneficiaries without surrender charges
Highlights
Guaranteed fixed interest rates for 3, 5, 6, 7, or 10-year periods with tax-deferred growth
Higher interest rates available for premiums of $100,000 or more
Access to funds without penalties for health emergencies (confinement, terminal illness, disability)
30-day penalty-free withdrawal window at the end of your guarantee period
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
Yr 8
2%
Yr 9
1%
Yr 10
0.5%
After
0%
Nursing home waiver
Best For
Conservative investors who want guaranteed growth, predictable returns, and tax deferral without market risk.
Consider Alternatives If
Investors seeking immediate liquidity or those who may need frequent access to their funds during the surrender charge period.
Carrier Ratings
Free Comparison Report
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