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North American Company

North American Prizm 10

(RETIRED)

A Fixed Indexed Annuity with a 10-year surrender period.
This product is not available in *** *** *** *** *** *** *** *** ***

Ratings
	A.M. Best : A+		Fitch: A+		Standard & Poor's: A+

Rates

	Current Rates xx/xx/xxxx		Guaranteed Minimum Values
	Cap	Part Rate	Cap	Part Rate
1-Year DJ EuroStoxx 50 Point-to-Point	***	***	***	***
1-Year Dow Jones Monthly Average	***	***	***	***
1-Year Dow Jones Point-to-Point	***	***	***	***
1-Year Lehman Bros. U.S. Aggregate Point-to-Point	***	***	***	***
1-Year Nasdaq 100 Point-to-Point	***	***	***	***
1-Year Nasdaq Monthly Point-to-Point	***	***	***	***
1-Year Russell 2000 Monthly Averaging	***	***	***	***
1-Year Russell 2000 Point-to-Point	***	***	***	***
1-Year S&P 400 Monthly Average	***	***	***	***
1-Year S&P 400 Point-to-Point	***	***	***	***
1-Year S&P 500 Monthly Average	***	***	***	***
1-Year S&P 500 Monthly Point-to-Point	***	***	***	***
1-Year S&P 500 Point-to-Point	***	***	***	***
1-Year Fixed (Rate guaranteed for 1 Year)	.* %		.* %

State Specified Minimum Interest Rate: ****

Premium Bonus
- none -

Policy Notes

The Prizm 10 is a flexible premium, fixed index annuity that offers the ability to apply all or --[ subscription required to view full text ]--
*** ***** ** ** * ******** *******, ***** ***** ******* **** ****** *** ******* ** ***** *** ** * ******* ** *** ******* ***** *** ********: ** ***** ******* ** * ***** *******. *** ******** *** ** ********* ** ***** *** ******** *** *** ** *********** ******* ******** **** **** ******** ***********. *** ***** ** ******* ** *** ** ********** ** *** ***** ****** ** *** ********** *******.
********* ******** *******:

***** ******* ******

*********** ***** ******* - ***** ******** **** ********* *** * ****

******* ******* *******

*-**** *&* *** ******* *****-**-***** *****
*-**** *&* *** ***** *******
*-**** *&* *** *****-**-*****
*-**** *** ***** ***** *******
*-**** *** ***** *****-**-*****
*-**** *&* *** ***** *******
*-**** *&* *** *****-**-*****
*-**** ******* **** ***** *******
*-**** ******* **** *****-**-*****
*-**** ******-*** *****-**-*****
*-**** *** ***** ********* ** *****-**-*****

******* ********** **** *****
*** **** ** *** ******* ****** ***% ** ********, **** **********, *********** ** *** ******* ********** ******** ****.
******* ********** ******** ****
*** ********** ******* ******** **** ** ******* ********** ******** **** *** *** *** ** ***** *** ****** *** ******.
******** *******
********* ******* ***** ******** *** ********* ******* *** ** **** ** **** ******** ***********. ** ******* ******* ********, *** **** ** **** ********* *** ******** *********** ** ********** **** *****.
********** ********
*** ********** ******** **** ** ******** ** *** ******* ***** ******* **** ***** *** ******** *********** ****. ** **** ******** *********** **** *** ******* **** ******** *** ******** ******** ***** *** ***** ******** *********** ***** *** ******** ********* ** *** ******* **** ****** ************.

Provisions

Free Look Period:	****
(Free look period may vary by state)
Rate Lock Protection:	****
Bail Out Provision Available:	***
* * ***:	****
Loan Provision Available:	***
* * ***:	****
Tax Sheltered:	***

Market Value Adjustment:	***
MRD:	***
Front-End Fee:	***
Annual Maintenance Fee:	***
Return of Premium Available:	***
Death Benefit is:	* **

Premiums
	Non-Qual	Qualified
Min Single Premium:	****	*******
Max Single Premium:
Age < xx:	****	*******
Age > xx:	****	*******
Payroll Deduction:	****	****
Min Added Premium:	****	****
Flexible Premiums ******* :	****
Min Single Premium Impaired:	******	******
Min Single Premium Period Certain:	******	******

Age Restrictions
	Min Age	Non-Qual	Qualified
Owner:		*****	*****
Annuitant:	*****	*****	*****
Impaired:		*****	*****
Annuitization Age:		*****	*****
*** * * ** * **** * *** ** * **** * ****** * *** * * ** * **** * *** * * * ** * **** * *****

Systematic Withdrawals

Systematic withdrawals are ***** ** *** ****** ****
*****************: **** ****** **** *****

**** *** ***** ** $****.**
*** *** ****** *** $****.**
**** ***** ******* ***** ******* * ****** ***** ****

MVA Explanation

Market Value Adjus --[ subscription required to view full text ]--
****** ***** ********** - ******** **********
*******
[(* + * - .***)/(* + **)] ^ (*)
* = *** ******* ******** **** (********* *** ********** ********) **** *** ******** ** ******.
** = *** ******* ******** **** (********* *** ********** ********) ******* *** *** ********* ** *** **** ** ******* ** **** *********. * = **** ** ***** ** *******;
****** ** **** **** *** **** ** *** ******* ** **** ********* ** *** *** ** *** ******** **** ******* ** ***; **** ***** ****** ** ***** ********* ** *** ********* ******.

Commissions
Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.

403(b) Salary Reduction

North American Prizm 10
(All approved states except those listed below)
Up to age 75 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11

Initial Premium: **** **** **** **** **** **** **** **** **** **** ****

Renewal Premiums: **** **** **** **** **** **** **** **** **** **** ****

Ages 76-79 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11

Initial Premium: **** **** **** **** **** **** **** **** **** **** ****

Renewal Premiums: **** **** **** **** **** **** **** **** **** **** ****

MO VA
Up to age 75 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11

Initial Premium: **** **** **** **** **** **** **** **** **** **** ****

Renewal Premiums: **** **** **** **** **** **** **** **** **** **** ****

Ages 76-79 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11

Initial Premium: **** **** **** **** **** **** **** **** **** **** ****

Renewal Premiums: **** **** **** **** **** **** **** **** **** **** ****

Option A

North American Prizm 10
(All approved states except those listed below)
Up to age 75 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11

Initial Premium: **** **** **** **** **** **** **** **** **** **** ****

Renewal Premiums: **** **** **** **** **** **** **** **** **** **** ****

Ages 76-79 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11

Initial Premium: **** **** **** **** **** **** **** **** **** **** ****

Renewal Premiums: **** **** **** **** **** **** **** **** **** **** ****

MO VA
Up to age 75 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11

Initial Premium: **** **** **** **** **** **** **** **** **** **** ****

Renewal Premiums: **** **** **** **** **** **** **** **** **** **** ****

Ages 76-79 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11

Initial Premium: **** **** **** **** **** **** **** **** **** **** ****

Renewal Premiums: **** **** **** **** **** **** **** **** **** **** ****

Option B

North American Prizm 10
(All approved states except those listed below)
Up to age 75 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11

Initial Premium: **** **** **** **** **** **** **** **** **** **** ****

Renewal Premiums: **** **** **** **** **** **** **** **** **** **** ****

Trail: Trail years ***+ is *****

Ages 76-79 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11

Initial Premium: **** **** **** **** **** **** **** **** **** **** ****

Renewal Premiums: **** **** **** **** **** **** **** **** **** **** ****

Trail: Trail years ***+ is *****

MO VA
Up to age 75 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11

Initial Premium: **** **** **** **** **** **** **** **** **** **** ****

Renewal Premiums: **** **** **** **** **** **** **** **** **** **** ****

Ages 76-79 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11

Initial Premium: **** **** **** **** **** **** **** **** **** **** ****

Renewal Premiums: **** **** **** **** **** **** **** **** **** **** ****

Option C

North American Prizm 10
(All approved states except those listed below)
Up to age 75 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11

Initial Premium: **** **** **** **** **** **** **** **** **** **** ****

Renewal Premiums: **** **** **** **** **** **** **** **** **** **** ****

Trail: Trail years ***+ is *****

Ages 76-79 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11

Initial Premium: **** **** **** **** **** **** **** **** **** **** ****

Renewal Premiums: **** **** **** **** **** **** **** **** **** **** ****

Trail: Trail years ***+ is *****

MO VA
Up to age 75 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11

Initial Premium: **** **** **** **** **** **** **** **** **** **** ****

Renewal Premiums: **** **** **** **** **** **** **** **** **** **** ****

Trail: Trail years ***+ is *****

Ages 76-79 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11

Initial Premium: **** **** **** **** **** **** **** **** **** **** ****

Trail: Trail years ***+ is *****

Chargebacks
For death, full surrenders, partial withdrawals and/or Required Minimum Distributions (RMD's) occurring --[ subscription required to view full text ]--
***********
*** *****, **** **********, ******* *********** ***/** ******** ******* ************* (***'*) ********* ****** *** ***** ******** *********** **** *** ********* ********** *********** *****: *.) *** ******** ****** *** ***** ******** ****** *** ***** ******** **** *, **, & **: ***% ********** **** *** **** ** ***** ******* *** *** ** *** *** ***** ***** *** ******** ***** **** *** **% ********** **** *** ***** ** *** *** ***** ***** *** ******** ***** **** ******* *** ***** ******** *********** ****; *** *.) ***** ******** **** *, ** & *** ********: ***% ********** ** ********** ********** *** ****** ********* ****** ****** ** *** ********. ** ******** *** *** ******* ** *** ******** ***** ******** ******** *** ***** ** ********** *********** ** *** ****, ** *** **** **********, ******** ** ********* * *** * ** *** ***** ********, ***** *** ********** ************ ******.

********** *****;
*** ********* **** ******** ** $***,** ** ****, *********** **** ** **** *** * ****** *** ****-**** ****** (********* ** **** ** ******** ***** ****** *******) ** *** *****.
******* ************ ****** ** ***** *** ***** **** **** ** *******, ******* ********* ******* ** ***-***-**** *** ******** *******.

Commissions
Commissions are ***** *** * *** * *** * ** ***** ***.

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