PrimePath Pro 10
North American Company
7.25%
Best Cap
7%
Free W/D
50
States
A fixed index annuity that provides growth potential tied to market performance without downside risk, plus flexible lifetime income options and death benefits for retirement planning.
Free Withdrawal
7%/yr
Available In
50 states
Min Premium
$20,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Morgan Stanley Dynamic Contribution Index | 2-Year | -- | 285% | -- |
| Morgan Stanley Dynamic Contribution Index | Annual | -- | 120% | -- |
| Morgan Stanley Dynamic Global Index | 2-Year | -- | 240% | -- |
| Morgan Stanley Dynamic Global Index | Annual | -- | 135% | -- |
| S&P 500 Index | Annual | 7.25% | 100% | -- |
| S&P 500 Index | Monthly | 2.2% | 100% | -- |
| S&P 500 Low Volatility Daily Risk Control 5% USD Total Return Index | Annual | -- | 100% | -- |
| S&P Maestro 5 Index Excess Return | 2-Year | -- | 215% | -- |
| S&P Maestro 5 Index Excess Return | Annual | -- | 100% | -- |
| S&P MARC 5% Excess Return | 2-Year | -- | 225% | -- |
| S&P MARC 5% Excess Return | Annual | -- | 100% | -- |
| Fixed Account | Daily | -- | -- | 3.15% |
Key Features
Issue Ages
40-79Available for ages 40-79 for both qualified and non-qualified accounts
Minimum Premium
$20,000Flexible premium with initial minimum requirement
Surrender Charge Period
10 years (10% years 1-5, declining to 4% year 10)Declining surrender charges over time
Free Withdrawals
7% of accumulation valuePenalty-free withdrawals allowed annually after first year
Lifetime Income Age
Age 50+Can start guaranteed lifetime payments
Index Options
8+ index strategiesMultiple crediting methods including S&P 500, multi-asset, and Morgan Stanley indexes
Benefit Base Growth
Double the weighted average interest credit percentageEnhanced growth for income calculations during roll-up period
LPA Multiplier
2x payment amountCan double lifetime payments for up to 5 years if unable to perform 2+ activities of daily living
Highlights
Growth potential linked to market indexes without risk of losing premium due to market downturns
Lifetime income options starting at age 50 with choice of level or increasing payments
Benefit base that doubles your weighted average interest credits during accumulation phase
Free annual withdrawals up to 7% of accumulation value after first year
Death benefit options including 5-year payout to beneficiaries based on benefit base
Surrender Schedule
Yr 1
10%
Yr 2
10%
Yr 3
10%
Yr 4
10%
Yr 5
10%
Yr 6
9%
Yr 7
8%
Yr 8
7%
Yr 9
6%
Yr 10
4%
After
0%
Nursing home waiver
Best For
Individuals aged 40-79 seeking growth potential with principal protection, flexible retirement income options, and death benefits for their beneficiaries.
Consider Alternatives If
People who need immediate liquidity or full access to their funds within the first 10 years without penalties.
Carrier Ratings
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