North American PrimePath Pro 10 Fixed Index Annuity – Secure Income with Flexible Growth Options
Secure Your Future with a Flexible Retirement Income Strategy
At Diversified Insurance Brokers, we specialize in helping individuals secure guaranteed lifetime income, tax-deferred growth, and market protection through the right annuity solutions. One product that offers all three is the North American PrimePath Pro 10 Fixed Index Annuity, issued by North American Company for Life and Health Insurance.
This fixed index annuity is designed for those seeking a reliable retirement income stream that can grow over time while still protecting their savings from market volatility. Whether you need predictable level payments or income that adjusts to keep pace with inflation, the PrimePath Pro 10 delivers flexibility with long-term financial security.
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ncome for Life with Built-in Benefit Protection
The cornerstone of the PrimePath Pro 10 is its Guaranteed Lifetime Withdrawal Benefit (GLWB) rider, which provides guaranteed income you cannot outlive—even if your account value drops to zero. You’ll have the choice between:
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Level Lifetime Payments – consistent, fixed payments every year
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Increasing Lifetime Payments – payments that grow annually, helping offset inflation and rising living costs
For those who delay income, the Benefit Base grows over time, increasing your future withdrawal amount. This roll-up is especially valuable if you’re planning to defer income for a few years after purchasing the annuity.
Multiple Index Crediting Strategies for Growth Potential
The PrimePath Pro 10 offers a variety of index crediting strategies tied to market performance, with no exposure to market losses. These strategies provide the potential for higher growth than traditional fixed-rate annuities, while still ensuring your principal remains protected.
All growth is tax-deferred, so your money compounds faster by avoiding annual taxes on interest earnings until withdrawals begin.
Withdrawals and Liquidity
To support your evolving retirement needs, the PrimePath Pro 10 includes penalty-free withdrawals of up to 7% annually (after the first year), giving you access to income without surrender charges. This flexibility makes it easier to handle unexpected expenses while maintaining long-term planning goals.
Additionally, the LPA Multiplier Benefit offers a significant boost: if you qualify for long-term care needs, your lifetime income payments can double for up to five years, helping cover the added costs of care without sacrificing your overall financial plan.
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Trusted Annuity Guidance From the Experts
At Diversified Insurance Brokers, our advisors help you make sense of the many annuity products available—so you can feel confident that your retirement strategy fits your goals. The PrimePath Pro 10 is just one of the many powerful tools we use to build personalized income plans that offer protection, growth, and guaranteed income for life.
Whether you’re rolling over retirement assets or exploring income options for the first time, we’ll guide you through every step.
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 PrimePath Pro
What is North American PrimePath Pro?
North American PrimePath Pro is a fixed indexed annuity designed to provide principal protection, indexed growth potential, and optional lifetime income benefits. It includes multiple crediting strategies and flexibility for both accumulation and long-term income planning.
How does PrimePath Pro earn interest?
Interest is credited based on the performance of selected index strategies. PrimePath Pro may offer options such as participation rates, caps, or spreads, depending on the strategy you choose. While growth is tied to index performance, your principal is protected from market losses.
Does PrimePath Pro include an income rider?
PrimePath Pro typically offers an optional income rider that can provide guaranteed lifetime income. The rider may include an income benefit base that can grow during the deferral period and payout factors that increase with age when income begins.
Who is PrimePath Pro designed for?
This annuity is designed for individuals seeking a balance between growth potential and lifetime income security. It is commonly used by pre-retirees and retirees who want market-linked accumulation without risking principal, along with predictable income later in life.
What types of crediting strategies may be available?
PrimePath Pro may include various crediting methods such as:
- Index strategies with participation rates
- Strategies with interest caps
- Spread-based strategies
- Fixed interest options
Specific strategies can vary by product version and availability.
Can I access my funds without surrender penalties?
Most versions of PrimePath Pro offer annual penalty-free withdrawals, often up to a set percentage of the contract value. Additional liquidity options—such as terminal illness or confinement waivers—may be available depending on the specific contract and state.
How does PrimePath Pro protect my principal?
As a fixed indexed annuity, PrimePath Pro does not directly invest in the market. Your principal and credited interest are protected from market downturns. Index performance only affects the interest that may be credited, not the underlying account value.
How is lifetime income calculated?
If you choose the optional income rider, income is determined by applying a payout percentage to the benefit base. The payout percentage generally increases with age, and the benefit base may grow during the deferral period according to rider rules.
What are the trade-offs of choosing PrimePath Pro?
Trade-offs may include surrender charges during early years, limitations on liquidity, and crediting methods that may restrict upside potential. Choosing an income rider may also involve a rider charge that affects accumulation value.
How can I compare PrimePath Pro with other annuities?
Comparing PrimePath Pro to other fixed indexed annuities typically involves reviewing:
- Crediting strategy options
- Participation, cap, or spread rates
- Income rider features and costs
- Company strength and renewal rate history
A side-by-side illustration will help show how PrimePath Pro performs against similar annuities.
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.
