NAC VersaChoice 10 with ELB Rate & Reviews

NAC VersaChoice 10 with ELB

NAC VersaChoice 10 is a modified single premium, fixed index annuity with an optional rider for an additional fee that allows you access to more of your money, sooner. The value will grow at a rate based on the fixed or index account (or index accounts) you choose. Index accounts are tied to market performance, but they are not an actual investment in the stock market. You will get credit for some of the market’s growth in up times. In down times, when the market sees zero gains or actually loses value, your premium will never be at risk of decreasing due to those losses.

In all states except Florida, by current company practice, you may receive an income from the accumulation value after the first contract year (without surrender charges or market value adjustment) if you choose a life income option. You can also receive an income based on the accumulation value if your annuity has been in force for at least five years and you elect to receive payments over at least a 5-year period.

Available in states: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name	Type	Rates
1-Year Fixed Account	Fixed	4% Fixed
2-Year Morgan Stanley Dynamic Global PTP Enhanced Participation Rate	Point to Point Biennial	250% Participation
1-Year Morgan Stanley Dynamic Global PTP Enhanced Participation Rate	Point to Point Annual	175% Participation
2-Year Morgan Stanley Dynamic Global PTP Participation Rate	Point to Point Biennial	200% Participation
1-Year Morgan Stanley Dynamic Global PTP Participation Rate	Point to Point Annual	150% Participation
2-Year S&P MARC 5% ER PTP Participation Rate	Point to Point Biennial	175% Participation
1-Year S&P MARC 5% ER PTP Participation Rate	Point to Point Annual	140% Participation
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	45% Participation
1-Year S&P 500 PTP Monthly Sum Cap	Point to Point Annual Monthly sum	2.75% Cap
1-Year S&P 500 LV DRC 5% TR PTP Spread	Point to Point Annual	1.5% Spread
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	30% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	9% Cap
2-Year Fidelity Multifactor Yield 5% ER PTP Enhanced Participation Rate	Point to Point Biennial	250% Participation
1-Year Fidelity Multifactor Yield 5% ER PTP Enhanced Participation Rate	Point to Point Annual	175% Participation
2-Year Fidelity Multifactor Yield 5% ER PTP Participation Rate	Point to Point Biennial	200% Participation
1-Year Fidelity Multifactor Yield 5% ER PTP Participation Rate	Point to Point Annual	150% Participation
1-Year Fixed Account	Fixed	4.25% Fixed
1-Year Fidelity Multifactor Yield 5% ER PTP Enhanced Participation Rate	Point to Point Annual	190% Participation
2-Year Fidelity Multifactor Yield 5% ER PTP Participation Rate	Point to Point Biennial	225% Participation
1-Year Fidelity Multifactor Yield 5% ER PTP Participation Rate	Point to Point Annual	175% Participation
2-Year Morgan Stanley Dynamic Global PTP Enhanced Participation Rate	Point to Point Biennial	275% Participation
1-Year Morgan Stanley Dynamic Global PTP Enhanced Participation Rate	Point to Point Annual	190% Participation
2-Year Morgan Stanley Dynamic Global PTP Participation Rate	Point to Point Biennial	225% Participation
1-Year Morgan Stanley Dynamic Global PTP Participation Rate	Point to Point Annual	175% Participation
2-Year S&P MARC 5% ER PTP Participation Rate	Point to Point Biennial	200% Participation
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	50% Participation
1-Year S&P MARC 5% ER PTP Participation Rate	Point to Point Annual	165% Participation
1-Year S&P 500 PTP Monthly Sum Cap	Point to Point Annual Monthly sum	2.9% Cap
1-Year S&P 500 LV DRC 5% TR PTP Spread	Point to Point Annual	0.5% Spread
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	35% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	10% Cap
2-Year Fidelity Multifactor Yield 5% ER PTP Enhanced Participation Rate	Point to Point Biennial	275% 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
Enhanced liquidity benefit	Yes	0.60% annually