North American NAC Control.X Fixed Indexed Annuity – Growth, Control, and Guaranteed Protection
At Diversified Insurance Brokers, we work with more than 75 top-rated insurance carriers to help clients secure safe, smart retirement strategies. One of the most compelling options available today is the NAC Control.X Fixed Indexed Annuity, issued by North American Company for Life and Health Insurance. This annuity is designed for individuals who want the power of market-linked growth while keeping their principal safe.
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The Control.X delivers customizable index strategies, optional bonuses, and some of the strongest guarantees in the fixed indexed annuity market.
Why Consider the NAC Control.X?
This annuity stands out for its flexibility and innovation. Whether you’re preparing for retirement or looking to grow assets in a tax-deferred environment, the Control.X offers solutions that align with a wide range of financial goals.
Key Features Include:
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Multiple Indexing Strategies: Choose from a broad selection of index options like the S&P 500®, Fidelity Multifactor Yield Index 5% ER, and more. Strategies include annual point-to-point with participation rates, performance triggers, and other non-cap strategies.
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Premium Bonus Options: In some versions of the Control.X, you may receive a premium bonus—giving your account a head start from day one.
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Strong Participation Rates: North American is known for offering competitive participation rates that allow you to benefit from market upside without exposure to market losses.
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Downside Protection: Like all fixed indexed annuities, your principal is never at risk due to market performance. You’ll never lose money due to a market downturn.
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Flexible Terms: Available in 7- and 10-year versions, so you can align the contract to your specific planning timeline.
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Liquidity Options: Access up to 10% of your contract value penalty-free each year after the first, with additional waivers for qualifying health events.
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Optional Income and Death Benefit Riders: For those focused on income planning or leaving a legacy, additional rider options are available.
With Control.X, North American has created an annuity that gives you exactly what the name implies—control over your growth strategy, income planning, and protection features.
At Diversified Insurance Brokers, our job is to make sense of these options and compare them to similar products across more than 75 leading carriers. If you’re looking for a safe, flexible retirement solution, NAC Control.X may be the right fit for your plan.
Want to explore if NAC Control.X is right for you? Let’s talk.
Our team at Diversified Insurance Brokers can help you compare the NAC Control.X to other leading fixed indexed annuities and tailor a recommendation to your specific goals.
Talk to an Advisor or Request Your Annuity Quote
Ready to explore this annuity in more detail—or compare it with other carriers to see if even higher rates are available? With guaranteed income, principal protection, and long-term growth potential on the line, making the right choice is essential. The experienced advisors at Diversified Insurance Brokers will guide you through the options and design a strategy tailored to your retirement goals.
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FAQs: North American NAC Control Annuity
What is the North American NAC Control annuity?
The NAC Control annuity from North American is a fixed indexed annuity designed for long-term accumulation with downside protection. It allows you to allocate premium among different crediting strategies — combining potential index-linked growth with stable fixed-interest options.
How does NAC Control credit interest?
Interest is credited via one or more index-linked strategies (using caps, participation rates, or spreads) or a fixed-interest account. Positive index performance may result in credited interest; negative index returns will not reduce your principal — the account value is protected from market losses.
Are there liquidity or withdrawal options?
Yes. NAC Control typically allows penalty-free withdrawals up to a set percentage (often 5–10%) annually after the first contract year. Withdrawals beyond that limit during the surrender period may incur surrender charges or adjustments.
Is an income rider available?
In many cases, NAC Control offers an optional income rider for an additional fee. This rider can provide a separate benefit base and allow for guaranteed lifetime withdrawals when you begin retirement income.
Is my principal protected from market downturns?
Yes. As a fixed indexed annuity, NAC Control ensures your principal and any credited interest cannot decrease due to negative index performance. Market losses do not reduce contractual value.
What surrender charge schedule applies?
The contract includes a surrender charge period, which declines over time. Early full surrender or excess withdrawals during this period may trigger surrender charges and, if applicable, a market value adjustment (MVA).
Who should consider NAC Control?
This annuity is suitable for individuals seeking a balance of safety and growth — those who want the security of principal protection, the upside potential of indexed crediting, and flexibility to choose or change crediting strategies over time.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
