North American VersaChoice 10 – Flexible Growth and Enhanced Liquidity Protection
At Diversified Insurance Brokers, we specialize in helping individuals secure customized annuity solutions designed for growth potential, flexibility, and long-term financial security. The North American VersaChoice 10 Fixed Indexed Annuity, issued by North American Company for Life and Health Insurance, delivers a unique combination of enhanced access to funds, smart crediting strategies, and guaranteed principal protection.
For those nearing or entering retirement, this annuity offers a strong balance between control, protection, and optional lifetime income features.
Smart Growth with Market Protection
VersaChoice 10 includes a wide range of index crediting strategies that allow your funds to grow with market potential while avoiding downside risk. Strategies include:
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S&P 500 Index
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Fidelity Multifactor Yield Index 5% ER
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Morgan Stanley Dynamic Global Index
These options offer flexibility in how your money earns interest while protecting you with a 0% floor—so you’ll never lose value due to market declines.
Enhanced Liquidity and Return of Premium
One of the hallmark features of VersaChoice 10 is the Enhanced Liquidity Benefit (ELB) Rider. With the ELB:
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You can access up to 20% penalty-free each year starting in year two
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You’re eligible for a return of premium, giving you peace of mind if plans change
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There are no rider fees if you never use the benefits
This feature is ideal for clients who value flexibility without sacrificing the benefits of long-term growth.
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Built-In Protection Benefits
VersaChoice 10 is designed with your real-life needs in mind. Key provisions include:
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Activity of Daily Living (ADL) payout enhancements if care needs arise
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Annual crediting resets to lock in interest gains annually
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True-up feature that ensures strategy fees never exceed earned interest
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Guaranteed death benefit, providing the full accumulation value to beneficiaries—no surrender charges deducted
Who It’s Good For
This annuity is ideal for individuals who want long-term security and flexible access to their money. It’s especially beneficial for:
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Pre-retirees looking to roll over a 401(k), IRA, or other retirement account
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Individuals who want access to funds in the event of illness or changing circumstances
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Those seeking a return of premium guarantee as a safeguard
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Anyone who wants market-linked growth without downside risk
Rollovers Welcome
You can roll over eligible retirement accounts—such as a traditional IRA, Roth IRA, or 401(k)—into the VersaChoice 10, making it a powerful option for retirement income planning.
Financial Strength You Can Count On
Backed by North American Company for Life and Health Insurance, a long-standing, financially strong carrier, this annuity brings stability and reliability to your long-term financial strategy.
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