North American Income Pay Pro
Guaranteed APY · Fixed Account
North American Income Pay Pro posts a FIA Guaranteed APY of 2.50% on Fixed Account, effective 10/01/2026.
Credited on the fixed account and guaranteed by the carrier. It does not depend on an index.
Contract facts
0 of 12 contract terms on file- Rate type
- Guaranteed APY
- Product type
- FIA
- Term
- No fixed term
- Index or strategy
- Fixed Account
- Availability
- Most states
- Premium band
- Any premium
- Interest basis
- Compound
Alpha holds the rate sheet for North American Income Pay Pro, not the product sheet, so none of the contract terms are on file for it yet.
Not on file: Issue ages, Minimum premium, Maximum premium, Surrender period, Free withdrawal, Years rate guaranteed, Premium bonus, Minimum renewal rate, GTD yield to surrender, M.V.A., Return of premium, Additional premiums. Confirm these with the carrier before you quote or illustrate.
- 0-75: 7.00
- 76-79: 5.25
North American
57 ratesContracts issued by North American Company for Life and Health Insurance
- AM Best
- A+
- Top MYGA APY
- 5.75%
Financial strength as entered by Alpha Solutions. Ratings change; confirm with the carrier or the agency before quoting.
West Des Moines, Iowa. A member of Sammons Financial Group.
Analysis for agents
Ranking, the history graph, compare and PDF downloads come with a free agent account. The rate, the contract facts and the carrier details above are public.
Where this rate ranks
Measured against every FIA Guaranteed APY on the Alpha shelf, at any term: 31 rates from 8 carriers. A free agent account shows this rate's place in that set, how far it sits off the best one on file, and the rates either side of it.
Rate history
4 observations on fileCreate a free agent account to unlock the full rate-history graph, alerts, and PDF downloads.
- 52-wk high
- 2.50%
- 52-wk low
- 2.50%
- 52-wk avg
- 2.50%
- Changes YTD
- 0
- Tracked since
- 08/11/2026
Rate history table (4 observations)
| Effective date | Rate | Change |
|---|---|---|
| 10/01/2026 | 2.50% | 0.00 |
| 09/22/2026 | 2.50% | 0.00 |
| 09/01/2026 | 2.50% | 0.00 |
| 08/11/2026 | 2.50% | -- |
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Every rate on North American Income Pay Pro
One contract, 10 rates. Each type is its own unit, so read a cap against caps and a par rate against par rates.
- Guaranteed APY2.50%Fixed Account · viewing
- Cap5.00%S&P 500 Cap
- Par Rate155.00%2-yr Fidelity Multifctr Yld Idx Par Rt
- Par Rate155.00%2-yr Morgan Stanley Dyn Global Par Rt
- Par Rate145.00%2-yr S&P MARC 5% Uncapped Par Rate
- Par Rate110.00%Morgan Stanley Dynamic Global Par Rt
- Par Rate105.00%Fidelity Multifactor Yield Index Par Rate
- Par Rate100.00%S&P MARC 5% Uncapped Par Rate
- Par Rate35.00%2-yr S&P 500 Uncapped Par Rate
- Par Rate25.00%S&P 500 Uncapped Par Rate
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Get a carrier-run illustration of North American Income Pay Pro for your client, with this rate as posted.
Rates shown are for informational use and are subject to change. Confirm current rates, availability, and product details directly with the carrier before quoting or illustrating for a client.