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NAC Control. X

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NAC Control. X is an individual single premium deferred fixed index annuity. Designed to give you certainty in an uncertain future and allows you to control your own unique retirement plan. 
Protection from downside market risk and growth potential with multiple index strategies from leading financial brands including exclusive Barclays Transitions Indices. 
First-to-market income flexibility with the optional Total Control Rider (for an additional charge). Activate the amount of income you need, when you need it, without giving up future potential income flexibility and growth. 
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
Fixed Index
Purpose Lifetime Income
10 Years
Surrender schedule
Free withdrawal
1st year: 0%
2nd+ year: 10%
Market value adjustment
Return of premium
Launch date
Minimum contribution
Maximum contribution
Max Age Qualified
Types of funds
Non-Qualified, IRA, IRA Rollover, TSA 403b, SEP IRA, and IRA-Roth
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Premium Notes

Issue ages 
  • 0-79 without optional Total Control rider 
  • 40-79 with Total Control rider elected 
Minimum premium
Single premium, $20,000 qualified and non-qualified 

Withdrawal Provisions

Penalty-free withdrawals
Beginning in the second contract year, once each contract year you may take a penalty-free withdrawal (also known as a penalty-free partial surrender) of up to 10% of the beginning of the year accumulation value annually. Penalty-free withdrawals will cause your total income base to be reduced by the same percentage withdrawn from your contract.

Market value adjustment (MVA)
The market value adjustment (MVA) is an adjustment applied during the surrender charge period that helps protect the insurance company from losses that may occur upon early withdrawals and surrenders. This protection allows the insurance company to offer more favorable interest crediting rates and limits. The MVA only applies to withdrawals above the available penalty-free withdrawal amount. The MVA depends on changes in the market value adjustment of an external index rate (Barclay’s US Credit Index) since the issue date. The MVA generally decreases the surrender amount when rates rise and increases the surrender amount when rates fall by more than the adjustment. With certain rate movements, it may not be possible to receive a positive MVA. An MVA will not reduce the amount surrendered below the minimum guaranteed surrender value.

Surrender charges
During the surrender charge period, a surrender charge applies to any amount withdrawn out of the Annuity Contract above the available penalty-free withdrawal amount. Surrender charges decrease the amount available to you and may result in a loss of premium. Among other things, surrender charges help defray expenses associated with issuing your Annuity Contract and allow us to invest long-term and in turn, generally offer more favorable interest crediting rates and limits.
In California:  The surrender charge percentage in the 10th contract year will decrease 0.04% monthly until the surrender charge equals 0.00%. The decrease will occur on the same day in each month as the date of the Contract anniversary; if the date does not exist for a given month, the date for that month will be the last calendar day of the month. 

Allocation Accounts

Name Type Rates
1-Year Fixed Account
3.55% Fixed
1-Year S&P 500 PTP Cap
Point to Point
8.5% Cap
2-Year S&P 500 PTP Cap
Point to Point
13% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
35% Participation
2-Year S&P 500 PTP Participation Rate
Point to Point
40% Participation
1-Year Barclays Transitions 6 VC PTP Participation Rate
Point to Point
115% Participation
1-Year Barclays Transitions 12 VC PTP Participation Rate
Point to Point
65% Participation
2-Year Barclays Transitions 6 VC PTP Participation Rate
Point to Point
185% Participation
2-Year Barclays Transitions 12 VC PTP Participation Rate with Spread
Point to Point
115% Participation
2% Spread

Surrender schedule

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


Name Inbuilt Fee
Total Control Rider Level No 1.25% annually
Total Control Rider Increasing No 1.25% annually


Nursing Home

After the first contract anniversary, if you are confined to a qualified nursing care center (skilled nursing facility or residential care facility for the elderly in CA) as defined in the rider, you may withdraw up to 100% of your accumulation value without a surrender charge or MVA as long as you meet the eligibility requirements for this rider. If you withdraw 100% of your accumulation value, your contract will terminate. This waiver is automatically included with your annuity at no additional charge. Potential interest credits for any partial crediting term are not available with this benefit and are only available as part of the annuity contract death benefit. Refer to the waiver rider for additional details, including benefit terms and conditions and limitations.

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