Updated November 2026
Short answer: North American's top starting comp on our annuity carrier list is 7% for issue ages 0-75, on the 10-year Income Pay Pro, Benefit Solutions, Control X and Versa Choice, Charter Plus and the 10-year Guaranteed Allocation. Performance Choice 8 pays 5.25%, the Income SPIA 3% and Guarantee Plus 2.5%.
Our job is to beat your current annuity commission.
Stuck at your current commission level, or simply want higher commission? Our sole purpose is to scale your business by beating your current commission levels. No matter your current commission level, if you meet our minimum requirements (solo producers have none), you automatically get higher commission than where you are today. Starting comp is for every producer, including new producers with no experience — there is no production minimum. If you have strong production to show, we contract you above our starting comp. Established agencies, financial advisors and financial firms, and healthcare agencies can earn much higher too. Submit your application, schedule a Zoom, and we review your current commission levels carrier by carrier and contract you above them — with full back office support, case management, carrier contracting and sales tools included.
North American starting comp by product
North American pays a flat 7% top rate across most of its lineup for issue ages 0-75: the 10-year Income Pay Pro, Benefit Solutions, Control X and Versa Choice, Charter Plus and the 10-year Guaranteed Allocation. North American Company for Life and Health Insurance is a member company of Sammons Financial Group. The table shows the top starting comp for each North American product on our annuity carrier list, with rates verified in October 2026. Starting comp is the level every producer starts at, with no experience requirement and no production minimum.
| Product | Top starting comp | Where the top rate applies |
|---|---|---|
| Income Pay Pro, Benefit Solutions, Control X and Versa Choice (all 10 Yr) | 7% | Option A · Age 0-75 |
| Charter Plus (10 and 14 Yr) | 7% | Option A · Age 0-75 · 1st Yr |
| Guaranteed Allocation | 7% | 10 Yr · Age 0-75 |
| Performance Choice (8 Yr) | 5.25% | Option A · Age 0-75 · 1st Yr |
| Income (SPIA) | 3% | All Others |
| Guarantee Plus | 2.5% | 7 Yr · Age 0-80 |
See the full North American grid for every surrender period, issue-age band and payout option.
How to read the North American grid
Some North American grids list separate rows by contract year. Charter Plus, for example, shows 7% on the 1st Yr row, 3.5% on the Yr 2-3 row and 1.75% on the Yr 4-5 row for issue ages 0-75; the top starting comp in our table is the first-year rate. Guaranteed Allocation is priced by surrender length instead: 7% on the 10-year version, 5% on the 7-year and 4.25% on the 5-year for ages 0-75. Several North American grids use an age band of 76-79 and then 80 and older.
- Issue age: commission steps down in older age bands, so the same product pays less for an older client.
- Surrender period: longer surrender periods pay more than shorter ones. Never choose a longer period for the commission; it has to fit the client.
- Payout option: heaped options pay the full first-year commission at issue; trail options pay less up front and a percentage in later years. See heaped vs trail commissions.
- Chargebacks: if a contract is surrendered or the owner dies within the carrier's chargeback window, part of the commission can be recovered. Check the current terms in your contract.
How North American compares with other carriers
North American's 7% top rate puts it among the 28 carriers on our list whose top rate is exactly 7%, alongside American Equity and Corebridge. Eighteen carriers pay more at the top, but North American pays its top rate on more products than most, so the gap on your actual cases may be smaller than the headline suggests. See our ranking of the highest-paying annuity carriers for how the top starting comp compares across all 68 carriers.
Getting contracted with North American through BetterAnnuityComp.com
We handle North American contracting and appointments, the carrier's product and AML training requirements, and case management from application to issue. If you already write North American business elsewhere, share your current level: our job is to beat your current commission level carrier by carrier. Producers with strong production to show are contracted above starting comp.
Frequently asked questions
What is North American's highest annuity commission?
On our carrier list, it is 7% starting comp for issue ages 0-75 on the 10-year Income Pay Pro, Benefit Solutions, Control X and Versa Choice, Charter Plus and the 10-year Guaranteed Allocation. Rates were verified in October 2026 and can change.
Is North American part of Sammons Financial Group?
Yes. North American Company for Life and Health Insurance is a member company of Sammons Financial Group.
What do the 1st Yr, Yr 2-3 and Yr 4-5 rows mean on a North American grid?
They show the rate for each contract-year band on that product. Our table lists the first-year rate as the top starting comp. Check the full grid and your contract for exactly how later-year rates apply.
How do I get contracted with North American through BetterAnnuityComp.com?
Apply online. We handle the North American contracting paperwork and appointment, point you to the carrier's required product and AML training, and support your cases from application to issue. Starting comp has no experience requirement and no production minimum, and producers with strong production to show are contracted above it.
Can BetterAnnuityComp.com beat my current annuity commission?
That is our sole job: no matter your current commission level, if you meet our minimum requirements (solo producers have none), you automatically get higher commission than where you are today. Starting comp is for every producer, including new producers with no experience, and there is no production minimum. If you have strong production to show, we contract you above our starting comp, and established agencies, financial advisors and financial firms, and healthcare agencies can earn above it too. Submit your application, schedule a Zoom and share your current commission levels by carrier. We compare them carrier by carrier and contract you above them, with full back office support, case management, carrier contracting and sales tools included.
Sources
- BetterAnnuityComp.com annuity carrier list: North American grid
- NAIC Suitability in Annuity Transactions Model Regulation (#275)
Want to write North American above starting comp? BetterAnnuityComp.com, powered by BetterLifeQuotes.com, works to beat your current annuity commission — starting comp has no experience requirement and no production minimum, and strong producers are contracted higher — plus case management and carrier contracting. Solo producers and advisors can apply here, agencies can use the agency application, and anyone can browse the annuity carrier list. See how we beat your current commission.