NAC Control. X is a single-premium, deferred fixed index annuity with optional Total Control rider¹ allowing customers more control over their annuity growth and income timeline. This FIA offers first-to-market income flexibility with the optional Total Control Rider. Customers can activate an amount of income when they need it without giving up future potential income flexibility or growth. NAC Control. X offers customers certainty in an uncertain future and allows them the ability to control their own unique retirement plan.

With NAC Control. X, policy owners can earn interest credits from a fixed account and multiple indexed account options allocated to their accumulation value. Although fixed index annuities are not a direct investment in the stock market, they provide the potential for interest to be credited based in part on the performance of specific indices. This allows the annuity owner to have both protection from downside market risk and the advantage of growth potential through multiple index strategies. NAC Control. X index opportunities allow access to leading financial brands S&P and Barclays. The new exclusive Barclays Transitions Indices are designed to follow the equity markets and capture as much upside as possible while managing risk during changing market conditions.

“Annuity customers may feel anxious tying up a big piece of their nest egg – it is simply a concern that we often hear,” said Bryce Biklen, North American’s chief distribution officer. “With NAC Control. X and the advent of its optional Total Control Rider, clients can activate separate income streams² at different times. This flexibility allows the annuity owner to only take what they need, when they need it.”

In addition to the multiple income streams available through the Total Control Rider, clients have an option to leverage an activities of daily living (ADL) lifetime payout annuity (LPA) multiplier³. This multiplier benefit allows customers to potentially receive an increased lifetime income payment for up to five additional payments. If needed and qualifications are met, the ADL LPA can be used to help cover increasing personal care costs.

Additionally, NAC Control. X offers competitive liquidity options, penalty-free withdrawals, nursing home care waivers, and a death benefit. Some provisions may not be available in all states and circumstances.

“People want to feel confident that they’ve made the right choices as they plan for retirement. This FIA offers a heightened level of assurance in that regard,” added Biklen. “We know we can’t control everything life throws at us. That is why North American seeks to develop products that help clients feel more confident to control what they can.”

¹For an additional charge. Optional Total Control rider is attached to the base product for an annual rider charge of 1.25% of the total income base

²Income streams can begin in year 2 and starting at age 50.

³The LPA ADL Multiplier requires a 2-year minimum wait period and can be paid out for a maximum of five annual payments as long as the covered person continues to meet the requirements on each payment. Confirmation that the covered person continues to meet the requirements will be required on an annual basis. Certain conditions and limitations apply. See contract for complete details.

About North American Company for Life and Health Insurance

North American Company for Life and Health Insurance^® is a member of Sammons^® Financial Group, Inc. Since 1886, North American has established a tradition of providing quality insurance products to consumers throughout the U.S. We offer a comprehensive portfolio of term, universal life, and indexed universal life insurance products. North American also offers a wide variety of traditional fixed and fixed index annuities and consistently ranks among the top fixed index annuity carriers in the U.S. (Source: Wink’s Sales & Market Report and LIMRA/Secure Retirement Institute). For more information, please visit here.

About Sammons^® Financial Group, Inc.

The companies of Sammons Financial Group^® help families and businesses protect their future to enjoy life’s moments today. A subsidiary of Sammons Enterprises, Inc., Sammons Financial Group is privately owned with member companies that are among the most enduring and stable in the financial services industry. Our companies include Midland National^® Life Insurance Company (including Sammons^® Corporate Markets); North American Company for Life and Health Insurance^®; Sammons Institutional Group^® (including Midland Retirement Distributors^® and Sammons Retirement Solutions^®) and Beacon Capital Management℠, Inc. Together, we offer today’s most sought-after life insurance, annuity, and retirement planning products.

Sammons Financial^® is the marketing name for Sammons^® Financial Group, Inc.’s member companies, including North American Company for Life and Health Insurance^®. Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, North American Company for Life and Health Insurance.

NAC Control. X^SM fixed index annuity is issued on base contract NA1015A/ICC21-NA1015A or appropriate state variation including all applicable endorsements and riders by North American Company for Life and Health Insurance^®, West Des Moines, IA. This product, its features and riders may not be available in all states.

Fixed index annuities are not a direct investment in the stock market. They are long term insurance products with guarantees backed by the issuing company. They provide the potential for interest to be credited based in part on the performance of specific indices, without the risk of loss of premium due to market downturns or fluctuation. Although fixed index annuities guarantee no loss of premium due to market downturns, deductions from your accumulation value for optional benefit riders or strategy fees or charges associated with allocations to enhanced crediting methods could exceed interest credited to the accumulation value, which would result in loss of premium. They may not be appropriate for all clients. Interest credits to a fixed index annuity will not mirror the actual performance of the relevant index.

The “S&P 500^®”, (“the Index”) is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and has been licensed for use by North American Company for Life and Health Insurance^® (“the Company”). S&P^®, S&P 500^®, US 500, The 500, iBoxx^®, iTraxx^® and CDX^® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones^® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). It is not possible to invest directly in an index. The Company’s Product is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or any of their respective affiliates (collectively, “S&P Dow Jones Indices”). S&P Dow Jones Indices does not make any representation or warranty, express or implied, to the owners of the Company’s Product or any member of the public regarding the advisability of investing in securities generally or in the Company’s Product particularly or the ability of the Index to track general market performance. Past performance of an index is not an indication or guarantee of future results. S&P Dow Jones Indices’ only relationship to the Company with respect to the Index is the licensing of the Index and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices and/or its licensors. The Index is determined, composed and calculated by S&P Dow Jones Indices without regard to the Company or the Company’s Product. S&P Dow Jones Indices has no obligation to take the needs of the Company or the owners of the Company’s Product into consideration in determining, composing or calculating the Index. S&P Dow Jones Indices has no obligation or liability in connection with the administration, marketing or trading of the Company’s Product. There is no assurance that investment products based on the Index will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment adviser, commodity trading advisory, commodity pool operator, broker dealer, fiduciary, “promoter” (as defined in the Investment Company Act of 1940, as amended), “expert” as enumerated within 15 U.S.C. § 77k(a) or tax advisor. Inclusion of a security, commodity, crypto currency or other asset within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security, commodity, crypto currency or other asset, nor is it considered to be investment advice or commodity trading advice.

S&P DOW JONES INDICES DOES NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE INDEX OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. S&P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&P DOW JONES INDICES MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY THE COMPANY, OWNERS OF THE COMPANY’S PRODUCT, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE INDEX OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. S&P DOW JONES INDICES HAS NOT REVIEWED, PREPARED AND/OR CERTIFIED ANY PORTION OF, NOR DOES S&P DOW JONES INDICES HAVE ANY CONTROL OVER, THE COMPANY’S PRODUCT REGISTRATION STATEMENT, PROSPECTUS OR OTHER OFFERING MATERIALS. THERE ARE NO THIRD-PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND THE COMPANY, OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES.

Neither Barclays Bank PLC (“BB PLC”) nor any of its affiliates (collectively, “Barclays”) is the issuer or producer of fixed index annuities and Barclays has no responsibilities, obligations or duties to policyholders in fixed index annuities. The Barclays Transitions 12 VC Index^TM and the Barclays Transitions 6 VC Index^TM (the “Indexes”), together with any Barclays indices that are components of the Index is licensed for use by North American Company for Life and Health Insurance (“NACOLAH”) as the issuer or producer of fixed index annuities (the “Issuer”).

Barclays’ only relationship with the Issuer in respect of the Index is the licensing of the Index, which is administered, compiled and published by BB PLC in its role as the index sponsor (the “Index Sponsor”) without regard to the Issuer or the fixed index annuities or policyholders in the fixed index annuities. Additionally, the Issuer may for itself execute transaction(s) with Barclays in or relating to the Index in connection with fixed index annuities. Policyholders acquire fixed index annuities from the Issuer and policyholders neither acquire any interest in the Index nor enter into any relationship of any kind whatsoever with Barclays upon making a purchase in fixed index annuities. Fixed index annuities are not sponsored, endorsed, sold or promoted by Barclays and Barclays makes no representation regarding the advisability of the fixed index annuities or use of the Index or any data included therein. Barclays shall not be liable in any way to the Issuer, policyholders or to other third parties in respect of the use or accuracy of the Index or any data included therein.