Smart Start Accumulator Plus with Fee
North American Company
6.5%
Best Cap
5%
Free W/D
50
States
A single-premium fixed indexed annuity that gives your money a smart start with automatic market timing, simplified portfolio allocation, and optional premium enhancements up to 20%. Designed for growth-oriented savers who want market upside with principal protection.
Free Withdrawal
5%/yr
Available In
50 states
Min Premium
$5,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Invesco QQQ Portfolio Plus Index | Annual | -- | 41% | -- |
| Morningstar Global Wide Moat VC 7 Index | Annual | -- | 64% | -- |
| Morningstar Wide Moat Focus Barclays VC 7% Index ER | Annual | -- | 59% | -- |
| S&P 500 Dynamic Intraday TCA Index (USD) ER | Annual | -- | 40% | -- |
| S&P 500 Index | Annual | 6.5% | 100% | -- |
| S&P MARC 5% Excess Return | Annual | -- | 41% | -- |
| Fixed Account | Annual | -- | -- | -- |
| Fixed Account | Daily | -- | -- | 2.85% |
Key Features
Best Entry Window
90-day windowAutomatically adjusts to the lowest index value during first 90 days for optimal starting position
Premium Enhancement
Up to 20%Optional immediate boost to your initial investment for accelerated growth
Portfolio Allocations
Conservative, Moderate, AggressiveThree pre-designed allocations based on Modern Portfolio Theory that auto-rebalance annually
Principal Protection
0% minimumGuaranteed floor protects against market losses
Free Withdrawals
5-10% depending on product versionAnnual penalty-free access to your money
Surrender Charge Period
9-10 yearsPeriod when early withdrawals incur penalties
Highlights
Best Entry Window automatically adjusts your starting point to the lowest index value during the first 90 days for better growth potential
Three pre-built portfolio allocations (Conservative, Moderate, Aggressive) based on Modern Portfolio Theory eliminate guesswork
Premium enhancement options add up to 20% immediate boost to your initial investment
Principal protection with 0% floor - you never lose money when markets decline
Multiple index options including S&P 500, low-volatility strategies, and diversified global indices
Surrender Schedule
Yr 1
9%
Yr 2
8.1%
Yr 3
7.2%
Yr 4
6.4%
Yr 5
5.5%
Yr 6
4.6%
Yr 7
3.7%
Yr 8
2.7%
Yr 9
1.8%
Yr 10
0.9%
After
0%
Disability waiver, Nursing home waiver, RMD waiver, Terminal illness waiver
Best For
Growth-oriented investors who want market upside potential with principal protection and don't need immediate income.
Consider Alternatives If
Investors who need liquidity within 10 years or want guaranteed lifetime income payments should consider other options.
Carrier Ratings
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