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Best Guaranteed Annuity Rates
2-Year
5.70%
3-Year
6.25%
5-Year
6.25%
7-Year
6.00%
10-Year
5.80%

NAC PrimePath Pro 12

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Highlights

The PrimePath Pro 12 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, AZ, AR, CA, CO, DC, FL, GA, IL, IN, IA, KS, KY, LA, ME, MD, MI, MS, NE, NM, NC, ND, RI, SD, TN, VT, WV, WI, and WY
Type
Fixed Index
Purpose Lifetime Income
Term
12 Years
Surrender schedule
14%14%12%12%11%11%10%9%8%7%6%4%
Free withdrawal
1st year: 0%
2nd+ year: 7%
Flexible premium Product Life
Market value adjustment
Return of premium
Launch date
02/02/2021
Minimum contribution
$20,000
Maximum contribution
$1,000,000
Max Age Qualified
75
Types of funds
Non-Qualified, IRA, IRA Rollover, IRA Transfer, TSA 403b, 1035 Exchange, and TSP
Brochure
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Premium Notes

Note: if eligible you may roll over TSP to us to be administered as a qualified tax status that we offer.

Withdrawal Provisions

Surrender charges
During the surrender charge period, a surrender charge applies to any amount above the available penalty-free withdrawal amount. Surrender charges may result in a loss of premium. Surrender charges allow the company to invest long-term and in turn, generally offer more favorable crediting rate limits. The surrender charges for each contract year are based on the state where your Contract is issued.

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
3.2% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
7.75% Cap
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
2.3% Cap
1-Year S&P 500 LV DRC 5% PTP Spread
Point to Point
Annual
2.25% 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
30% Participation
1-Year Morgan Stanley Dynamic Contribution PTP Participation Rate
Point to Point
Annual
130% Participation
2-Year Morgan Stanley Dynamic Contribution PTP Participation Rate
Point to Point
Biennial
180% Participation
2-Year Morgan Stanley Dynamic Contribution PTP Participation Rate with Spread
Point to Point
Biennial
320% Participation
2% Spread
1-Year S&P MARC 5% ER PTP Enhanced Participation Rate
Point to Point
Annual
165% Participation
2-Year S&P MARC 5% ER PTP Enhanced Participation Rate
Point to Point
Biennial
230% Participation
1-Year Morgan Stanley Dynamic Global PTP Enhanced Participation Rate
Point to Point
Annual
175% Participation
2-Year Morgan Stanley Dynamic Global PTP Enhanced Participation Rate
Point to Point
Biennial
250% 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
145% 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
155% Participation
2-Year S&P Maestro 5 ER PTP Enhanced Participation Rate
Point to Point
Biennial
220% Participation

Surrender schedule

Year 1 2 3 4 5 6 7 8 9 10 11 12
Penalty 14% 14% 12% 12% 11% 11% 10% 9% 8% 7% 6% 4%

Riders

Name Inbuilt Fee
PrimePath Pro 12 Rider Level Yes
PrimePath Pro 12 Rider with Increasing LPP Yes

Waivers

Nursing Home

After the first contract anniversary, if the covered person is confined to a qualified nursing home facility for at least 90 consecutive days you may withdraw up to 100% of your accumulation value without a surrender charge or MVA. If you withdraw 100% of your accumulation value, your Contract will terminate. This waiver is automatically included with your annuity at no additional charge. The nursing home waiver does not include home health care.

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