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Product Details
Charter Plus 14 CA
Company social profile:
Product Name
Charter Plus 14 CA
Annuity Type
FIA
Issuing Insurance Company and Ratings
North American Company for Life and Health Insurance
Ratings
Product Information
The Charter Plus 14 CA is a flexible premium annuity with a 14 year surrender charge period and an MVA provision. The Charter Plus 14 CA also pays a Premium Bonus on all premiums paid during the first three years. The Premium Bonus is subject to a Recapture Provision.
Key Features
Premium Types: Flexible for Life of the Product
Minimum Premium: 20,000
Maximum Premium: 2,000,000
Free Look Period: 30 Days
Rate Lock Period: 45 Days
Tax-Qualified: IRA, NonQual, SEP IRA, TSA 403b, IRA-Roth, IRA Transfer, IRA Rollover
Rates
Effective Date: 02/04/2026
Initial Guarantee Period: N/A
Next Change: N/A
Premium Amount: $100,000 - See Notes (High-Band)
3 Year Guarantee Period Annual Yield:
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Premium Amount: 20,000 - 2,000,000
Current
0 Year Guarantee Period Annual Yield:
3%
Interest rate start of year 1 through end of year 0:
3%
Accumulation Value (assuming no withdrawals)
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
Premium Amount: $100,000 - See Notes (Low-Band)
Flex Premiums Permitted: Product Life
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
State Approvals
Only available in CA
Withdrawal Provisions
First Year Withdrawals: No
Withdrawal Years 2+: 10%
Wait Period Interest Only : 1 Year
Withdraw from the accumulation Value After : One Year
Minimum Policy Value : $1,000
Withdrawl Calculated On: Accumulation
Date For Calculation: Issue
Systematic Withdrawl: No
Min Withdrawl Amount: $500
Cumulative Free Withdrawl: No
Eligibility & Restrictions
Age Limits(Owner and Annuitant): 46
Premium Limits: Flex Premiums Permitted: Product Life
State Restrictions: Only available in CA
