North American Company
Charter Plus 14
Rates and specifications only. Our editorial review of this product hasn't been written yet, so there's no star rating or verdict here — the figures below come straight from the carrier's filed rates. We don't hold this carrier's brochure for this product yet, so the specifications below are limited to what the rate filing carries.
Type
FIA
Surrender
14 years
Top yield
1.70%
A.M. Best
A+
Current Rates
Yield shown is the guaranteed yield to surrender — the honest effective return, not a first-year teaser rate. Each row is a variant of the same product.
| Strategy | Method | Rate | Cap | Par | Yield to surrender |
|---|---|---|---|---|---|
| 1 Year Fixed Account Rate | Fixed | 3.00% | — | — | 1.70% |
| 1 Year Fixed Account Rate | Fixed | 3.00% | — | — | 1.45% |
| 1 Year Barclays Transistions 12% VC Participation Rate | Point to Point | — | — | 45.00% | 1.36% |
| 1 Year Barclays Transistions 6% VC Participation Rate | Point to Point | — | — | 85.00% | 1.36% |
| 1 Year Fidelity Multifactor Yield Index 5% ER Enhanced Participation Rate | Point to Point | — | — | 130.00% | 1.36% |
| 1 Year Fidelity Multifactor Yield Index 5% ER With Participation Rate | Point to Point | — | — | 90.00% | 1.36% |
| 1 Year Goldman Sachs Equity TimeX Index Point to Point Participation Rate | Point to Point | — | — | 45.00% | 1.36% |
| 1 Year Morgan Stanley Dynamic Global Index Enhanced Participation Rate | Point to Point | — | — | 140.00% | 1.36% |
| 1 Year Morgan Stanley Dynamic Global Index with Participation Rate | Point to Point | — | — | 90.00% | 1.36% |
| 1 Year S&P 500 Annual Point-to-Point Index Cap Rate | Point to Point | — | 6.50% | — | 1.36% |
| 1 Year S&P 500 Annual Point-to-Point Participation Rate (No Cap) | Point to Point | — | — | 20.00% | 1.36% |
| 1 Year S&P 500 Monthly Point-to-Point Index Cap Rate | Point to Point | — | 1.45% | — | 1.36% |
| 1 Year S&P Multi-Asset Risk Control 5% ER Point to Point Participation Rate | Point to Point | — | — | 90.00% | 1.36% |
| 2 Year Barclays Transistions 12% VC Participation Rate | Point to Point | — | — | 65.00% | 1.36% |
| 2 Year Barclays Transistions 6% VC Participation Rate | Point to Point | — | — | 135.00% | 1.36% |
| 2 Year Fidelity Multifactor Yield Index 5% ER Enhanced Participation Rate | Point to Point | — | — | 195.00% | 1.36% |
| 2 Year Fidelity Multifactor Yield Index 5% ER with Participation Rate | Point to Point | — | — | 125.00% | 1.36% |
| 2 Year Goldman Sachs Equity TimeX Index with Participation Rate | Point to Point | — | — | 75.00% | 1.36% |
| 2 Year Morgan Stanley Dynamic Global Index Enhanced Participation Rate | Point to Point | — | — | 195.00% | 1.36% |
| 2 Year Morgan Stanley Dynamic Global Index with Participation Rate | Point to Point | — | — | 135.00% | 1.36% |
| 2 Year S&P 500 Point to Point with Participation Rate | Point to Point | — | — | 30.00% | 1.36% |
| 2 Year S&P Multi-Asset Risk Control 5% ER with Participation Rate | Point to Point | — | — | 125.00% | 1.36% |
| 1 Year Barclays Transistions 12% VC Participation Rate | Point to Point | — | — | 45.00% | 1.11% |
| 1 Year Barclays Transistions 6% VC Participation Rate | Point to Point | — | — | 85.00% | 1.11% |
| 1 Year Fidelity Multifactor Yield Index 5% ER Enhanced Participation Rate | Point to Point | — | — | 130.00% | 1.11% |
| 1 Year Fidelity Multifactor Yield Index 5% ER With Participation Rate | Point to Point | — | — | 90.00% | 1.11% |
| 1 Year Goldman Sachs Equity TimeX Index Point to Point Participation Rate | Point to Point | — | — | 45.00% | 1.11% |
| 1 Year Morgan Stanley Dynamic Global Index Enhanced Participation Rate | Point to Point | — | — | 140.00% | 1.11% |
| 1 Year Morgan Stanley Dynamic Global Index with Participation Rate | Point to Point | — | — | 90.00% | 1.11% |
| 1 Year S&P 500 Annual Point-to-Point Index Cap Rate | Point to Point | — | 6.50% | — | 1.11% |
| 1 Year S&P 500 Annual Point-to-Point Participation Rate (No Cap) | Point to Point | — | — | 20.00% | 1.11% |
| 1 Year S&P 500 Monthly Point-to-Point Index Cap Rate | Point to Point | — | 1.45% | — | 1.11% |
| 1 Year S&P Multi-Asset Risk Control 5% ER Point to Point Participation Rate | Point to Point | — | — | 90.00% | 1.11% |
| 2 Year Barclays Transistions 12% VC Participation Rate | Point to Point | — | — | 65.00% | 1.11% |
| 2 Year Barclays Transistions 6% VC Participation Rate | Point to Point | — | — | 135.00% | 1.11% |
| 2 Year Fidelity Multifactor Yield Index 5% ER Enhanced Participation Rate | Point to Point | — | — | 195.00% | 1.11% |
| 2 Year Fidelity Multifactor Yield Index 5% ER with Participation Rate | Point to Point | — | — | 125.00% | 1.11% |
| 2 Year Goldman Sachs Equity TimeX Index with Participation Rate | Point to Point | — | — | 75.00% | 1.11% |
| 2 Year Morgan Stanley Dynamic Global Index Enhanced Participation Rate | Point to Point | — | — | 195.00% | 1.11% |
| 2 Year Morgan Stanley Dynamic Global Index with Participation Rate | Point to Point | — | — | 135.00% | 1.11% |
Showing the 40 highest-yielding of 42 rate rows.
Surrender Schedule
Yr 1
12%
Yr 2
12%
Yr 3
11%
Yr 4
11%
Yr 5
10%
Yr 6
9%
Yr 7
8%
Yr 8
7%
Yr 9
6%
Yr 10
5%
Yr 11
4%
Yr 12
3%
Yr 13
2%
Yr 14
1%
Product Specifications
- Minimum premium (non-qualified)
- $20,000
- Minimum premium (qualified)
- $20,000
- Maximum issue age
- 75
- Free withdrawal
- 10%
- Market value adjustment
- Yes
- Return of premium
- No
- States available
- 28 states
Income Riders
Charter Plus 14 year Enhanced Bonus Rider
Roll-up: Interest Only
Income Pay GLBR Option 1
Roll-up: 5.50%
Withdrawal age: 50.0 Min
Income Pay GLBR Option 2
Roll-up: 6.75%
Withdrawal age: 50.0 Min
Income Pay GLBR Option 3
Roll-up: 6.25%
Withdrawal age: 50.0 Min
Income Pay Option 1 w/ Income MultiplierGLWB
Roll-up: 5.50%
Withdrawal age: 50.0 Min
Income Pay Option 3 w/ Income Multiplier
Roll-up: 6.25%
Withdrawal age: 50.0 Min
Rates are a snapshot and change frequently. Figures are sourced from the carrier's filed rates via Annuity Rate Watch and refreshed nightly. Nothing here is a recommendation to buy. Annuities are issued by insurance companies and are not guaranteed by any bank or the FDIC. See our legal & disclosures.