PrimePath Pro 12
North American Company
7.75%
Best Cap
7%
Free W/D
28
States
A fixed index annuity that protects your principal from market downturns while offering growth potential and flexible lifetime income options for retirement.
Free Withdrawal
7%/yr
Available In
28 states
Min Premium
$20,000
Surrender
12 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Morgan Stanley Dynamic Contribution Index | 2-Year | -- | 320% | -- |
| Morgan Stanley Dynamic Contribution Index | Annual | -- | 130% | -- |
| Morgan Stanley Dynamic Global Index | 2-Year | -- | 250% | -- |
| Morgan Stanley Dynamic Global Index | Annual | -- | 145% | -- |
| S&P 500 Index | Annual | 7.75% | 100% | -- |
| S&P 500 Index | Monthly | 2.3% | 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 | -- | 220% | -- |
| S&P Maestro 5 Index Excess Return | Annual | -- | 100% | -- |
| S&P MARC 5% Excess Return | 2-Year | -- | 230% | -- |
| S&P MARC 5% Excess Return | Annual | -- | 100% | -- |
| Fixed Account | Daily | -- | -- | 3.2% |
Key Features
Principal Protection
100% principal protectionYour premium is protected from market downturns - you can't lose money due to poor market performance
Index Growth Options
8 different index crediting strategiesChoose from multiple crediting methods tied to various market indexes for growth potential
Benefit Base Roll-up
2x weighted average interest creditSpecial calculation base that doubles your interest credits to determine higher lifetime payments
Lifetime Payment Amounts
Starting at 3.5%-7% based on ageGuaranteed income you can't outlive, with choice of level or increasing payments
Free Withdrawals
7% of accumulation value annuallyAccess to your money without penalties after the first year
LPA Multiplier
2x lifetime paymentsDoubles your lifetime payments for up to 5 years if you can't perform 2 activities of daily living
Highlights
Protection from market losses while capturing upside potential through multiple index crediting options
Guaranteed lifetime income with optional increasing payments that may help protect against inflation
Benefit base that doubles interest credits during accumulation phase for enhanced income calculation
LPA multiplier that can double income payments for up to 5 years if you become unable to perform daily living activities
Surrender Schedule
Yr 1
14%
Yr 2
14%
Yr 3
12%
Yr 4
12%
Yr 5
11%
Yr 6
11%
Yr 7
10%
Yr 8
9%
Yr 9
8%
Yr 10
7%
Yr 11
6%
Yr 12
4%
After
0%
Nursing home waiver
Best For
People approaching or in retirement who want principal protection with growth potential and guaranteed lifetime income options.
Consider Alternatives If
People who need immediate liquidity or want direct market exposure without any restrictions on access to funds.
Carrier Ratings
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