Annuity Educator
Best Guaranteed Annuity Rates
2-Year
5.25%
3-Year
6.25%
5-Year
6.30%
7-Year
5.80%
10-Year
5.80%

NAC Charter Plus 10 High Band (Most States) with EBR

In the complex world of retirement planning, annuities stand out as a popular choice for those seeking steady income streams in their golden years. Amidst a crowded market, a few annuity companies have distinguished themselves through their robust financial strength, customer service excellence, and diverse product offerings.

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Learn how an annuity can provide guaranteed income for life.

The Charter Plus 10 is a flexible premium annuity with a 10-year surrender charge period and an MVA provision. 
Available in states: AL, AZ, AR, CO, DC, FL, GA, IL, IA, KS, KY, LA, ME, MD, MA, MI, MS, MT, NE, NH, NM, NC, ND, RI, SD, TN, VT, WV, WI, and WY

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
2.45% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
5% Cap
1-Year Nasdaq-100 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
2% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
25% Participation
1-Year S&P 500 PTP Daily Average Spread
Point to Point
Annual
Daily average
6.5% Spread
1-Year S&P 500 LV DRC 5% TR PTP Spread
Point to Point
Annual
2.9% Spread
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
1.7% Cap
2-Year S&P 500 LV DRC 8% TR PTP Spread
Point to Point
Biennial
4.25% Spread
2-Year Fidelity Multifactor Yield 5% ER PTP Participation Rate
Point to Point
Biennial
160% Participation
2-Year Barclays Transitions 12 PTP Participation Rate
Point to Point
Biennial
75% Participation
2-Year Barclays Transitions 6 PTP Participation Rate
Point to Point
Biennial
150% Participation
1-Year Barclays Transitions 12 PTP Participation Rate
Point to Point
Annual
50% Participation
1-Year Barclays Transitions 6 PTP Participation Rate
Point to Point
Annual
100% Participation
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
35% Participation
1-Year Goldman Sachs Equity TimeX PTP Participation Rate
Point to Point
Annual
55% Participation
2-Year Goldman Sachs Equity TimeX PTP Participation Rate
Point to Point
Biennial
85% Participation
1-Year S&P MARC 5% ER PTP Participation Rate
Point to Point
Annual
110% Participation
2-Year S&P MARC 5% ER PTP Participation Rate
Point to Point
Biennial
160% Participation
1-Year Fidelity Multifactor Yield 5% ER PTP Participation Rate
Point to Point
Annual
110% Participation
1-Year Morgan Stanley Dynamic Global PTP Participation Rate
Point to Point
Annual
110% Participation
2-Year Morgan Stanley Dynamic Global PTP Participation Rate
Point to Point
Biennial
160% Participation
1-Year Fidelity Multifactor Yield 5% ER PTP Enhanced Participation Rate
Point to Point
Annual
155% Participation
2-Year Fidelity Multifactor Yield 5% ER PTP Enhanced Participation Rate
Point to Point
Biennial
225% Participation
1-Year Morgan Stanley Dynamic Global PTP Enhanced Participation Rate
Point to Point
Annual
155% Participation
2-Year Morgan Stanley Dynamic Global PTP Enhanced Participation Rate
Point to Point
Biennial
225% Participation

Surrender schedule

Year 1 2 3 4 5 6 7 8 9 10
Penalty 10% 10% 9% 9% 8% 8% 7% 6% 4% 2%

Riders

Name Inbuilt Fee
NAC Charter Plus 10 Đ•nhanced bonus rider No 0.95% annually (0.00% after 10 years)