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 PrimePath Pro 10

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.

Key Takeaways

  • Companies are different
The PrimePath Pro 10 is a flexible premium deferred fixed index annuity. An annuity is a long-term contract issued by an insurance company. In exchange for a premium payment, the insurance company agrees to make payments to you later on. This annuity provides an accumulation value that may earn interest through a fixed account and various index accounts (if selected). While the fixed account earns a fixed rate of interest each year, index accounts earn interest credits based on how an underlying index performs. Interest credits are guaranteed to never be less than zero

Enhanced death benefit: The client has the choice between 
  • Greater of accumulation value or minimum surrender value ( as a lump sum)
  • Greater of the benefit base and the benefit base floor (must be paid out in equal payments over a 5 year period) subject to the rider death benefit maximum (varies by state).
LPA multiplier: Beginning in the 3rd year, if an owner/annuitant is unable to perform 2/6 activities of daily living (ADLs) for more than 90 consecutive days, the LPA multiplier provides that the LPA can be doubled for that year. Feature available for up to 5 years as long as qualifying requirements are met annually and the accumulation value is greater than zero.  Regardless if you choose the level or increasing LPA option, your LPA multiplier benefit is double the LPA for the current year.

Benefit base floor: The benefit base floor is equal to the premiums, less any proportional reductions for withdrawals, accumulated at 1% per year until LPAs are started and 0% thereafter. When the benefit base is utilized by starting LPAs, the benefit base is guaranteed to be no less than the benefit base floor.
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
3.15% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
7.25% Cap
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
2.2% Cap
1-Year S&P 500 LV DRC 5% PTP Spread
Point to Point
Annual
2.5% Spread
1-Year S&P MARC 5% ER PTP Spread
Point to Point
Annual
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
25% Participation
1-Year Morgan Stanley Dynamic Contribution PTP Participation Rate
Point to Point
Annual
120% Participation
2-Year Morgan Stanley Dynamic Contribution PTP Participation Rate
Point to Point
Biennial
170% Participation
2-Year Morgan Stanley Dynamic Contribution PTP Participation Rate with Spread
Point to Point
Biennial
285% Participation
2% Spread
1-Year S&P MARC 5% ER PTP Enhanced Participation Rate
Point to Point
Annual
160% Participation
2-Year S&P MARC 5% ER PTP Enhanced Participation Rate
Point to Point
Biennial
225% Participation
1-Year Morgan Stanley Dynamic Global PTP Participation Rate
Point to Point
Annual
135% Participation
2-Year Morgan Stanley Dynamic Global PTP Participation Rate
Point to Point
Biennial
190% Participation
2-Year Morgan Stanley Dynamic Global PTP Enhanced Participation Rate
Point to Point
Biennial
240% Participation
1-Year Morgan Stanley Dynamic Global PTP Enhanced Participation Rate
Point to Point
Annual
170% Participation
1-Year S&P Maestro 5 ER PTP Spread
Point to Point
Annual
1-Year S&P Maestro 5 ER PTP Enhanced Participation Rate
Point to Point
Annual
150% Participation
2-Year S&P Maestro 5 ER PTP Enhanced Participation Rate
Point to Point
Biennial
215% Participation

Surrender schedule

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

Riders

Name Inbuilt Fee
PrimePath Pro 10 Rider with Increasing LPP Yes
PrimePath Pro 10 Rider Level Yes