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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 Low Band (State Variation) 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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The Charter Plus 10 is a flexible premium annuity with a 10-year surrender charge period and an MVA provision. 
Available in states: AK, CT, DE, HI, ID, IN, MN, MO, NV, NJ, OH, OK, OR, PA, SC, TX, UT, VA, and WA

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
2.45% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
4.75% Cap
1-Year Nasdaq-100 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
1.9% 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
7% Spread
1-Year S&P 500 LV DRC 5% TR PTP Spread
Point to Point
Annual
3% Spread
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
1.55% Cap
2-Year S&P 500 LV DRC 8% TR PTP Spread
Point to Point
Biennial
4.5% Spread
2-Year Fidelity Multifactor Yield 5% ER PTP Participation Rate
Point to Point
Biennial
150% Participation
1-Year Barclays Transitions 6 PTP Participation Rate
Point to Point
Annual
95% Participation
1-Year Barclays Transitions 12 PTP Participation Rate
Point to Point
Annual
45% Participation
2-Year Barclays Transitions 6 PTP Participation Rate
Point to Point
Biennial
145% Participation
2-Year Barclays Transitions 12 PTP Participation Rate
Point to Point
Biennial
70% 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
50% Participation
2-Year Goldman Sachs Equity TimeX PTP Participation Rate
Point to Point
Biennial
80% Participation
1-Year S&P MARC 5% ER PTP Participation Rate
Point to Point
Annual
105% Participation
2-Year S&P MARC 5% ER PTP Participation Rate
Point to Point
Biennial
150% Participation
1-Year Fidelity Multifactor Yield 5% ER PTP Participation Rate
Point to Point
Annual
105% Participation
1-Year Morgan Stanley Dynamic Global PTP Participation Rate
Point to Point
Annual
105% Participation
2-Year Morgan Stanley Dynamic Global PTP Participation Rate
Point to Point
Biennial
150% Participation
1-Year Fidelity Multifactor Yield 5% ER PTP Enhanced Participation Rate
Point to Point
Annual
150% Participation
2-Year Fidelity Multifactor Yield 5% ER PTP Enhanced Participation Rate
Point to Point
Biennial
215% Participation
1-Year Morgan Stanley Dynamic Global PTP Enhanced Participation Rate
Point to Point
Annual
150% Participation
2-Year Morgan Stanley Dynamic Global PTP Enhanced Participation Rate
Point to Point
Biennial
215% Participation

Surrender schedule

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

Riders

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