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Fixed Indexed Annuity

North American Secure Horizon

North American Company

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8.5%

Best S&P 500 Annual Cap

7%

Free W/D

50

Jurisdictions

Product data status: July 11, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Model this product

See what North American Secure Horizon would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of July 11, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$300,821
Est. value at age 80 (North American Secure Horizon)
8.5%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 8.5% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies North American Secure Horizon's published cap rate (8.5% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 11, 2026.

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Live rate data

Run live numbers for North American Secure Horizon

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this North American Company product.

Live product data

Rates as of July 11, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

8.5% cap on S&P 500

A ten-year-surrender fixed indexed annuity from an A+ rated North American, built for index-linked accumulation through a wide menu of proprietary-index participation strategies (S&P PRISM ER, Research Affiliates Global Multi-Asset, Loomis Sayles Managed Futures, NYSE Global Equity Adaptive Rotator) — each offered in fee-bearing and no-fee variants — alongside a real S&P 500 annual point-to-point cap, with no income rider and a published annual free-withdrawal allowance.

1-year term10-year surrenderAdvisorWorld + CANNEX data

Best fit

Buyers committed to a ten-year FIA deferral who want exposure beyond a plain S&P 500 cap, are comfortable evaluating proprietary volatility-controlled and managed-futures indexes on their own merits, and want the explicit fee/no-fee choice on each strategy.

AM Best

A+ Superior

Surrender period

10 years

Free withdrawal

7%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Featured rows use the selected state rate set. The full listing below labels the other CANNEX state-rate variants separately.

Index / strategyRate mechanics

S&P 500

S&P 500 Index

8.5% cap rate

Annual cap

1-year term · 10-year surrender · Premium band not shown

Fixed Account

Fixed Account

4.25% declared rate

Fixed account

1-year term · 10-year surrender · Premium band not shown

+ 72 additional crediting options (S&P PRISM, Research Affiliates, Loomis Sayles...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Wide proprietary-index strategy menu (S&P PRISM ER, Research Affiliates Global Multi-Asset, Loomis Sayles Managed Futures, NYSE Global Equity Adaptive Rotator) alongside a recognizable S&P 500 annual point-to-point cap — buyers who want exposure beyond a plain S&P 500 cap have multiple participation-rate alternatives inside the same filing.
  • Each proprietary-index strategy is offered in two flavors: a 'Strategy Fee Included' variant with a published explicit strategy fee and a higher participation rate, and a no-fee variant with a lower participation rate — so buyers can explicitly choose whether to pay an explicit fee for higher participation.
  • Carrier financial-strength is rated by more than one agency on this page, so the strength view sitting behind the ten-year rate-lock is not a single-source read.
  • Published annual free-withdrawal allowance plus a published nursing-home surrender-charge waiver give the buyer both penalty-free liquidity and a named life-event exit inside the ten-year surrender ladder.

What to confirm

  • This contract is NOT a guaranteed-lifetime-withdrawal product. The income-rider list on the live feed is empty and there is no PIV income mechanism — do not compare its lifetime-payout potential side-by-side with rider-led income FIAs.
  • Several of the highest-participation strategies on this contract carry an explicit 'Strategy Fee Included' rate charged against the strategy's credit. Per the rollout's headline-discipline rule, a fee-bearing 'enhanced' cap or participation rate is NOT the contract's headline — the no-fee S&P 500 annual point-to-point cap is. Treat fee-bearing strategies as a separate, higher-risk/higher-reward choice within the contract, not as the comparable rate.
  • The proprietary indexes (S&P PRISM ER, Research Affiliates Global Multi-Asset, Loomis Sayles Managed Futures, NYSE Global Equity Adaptive Rotator) are volatility-controlled and/or excess-return benchmarks — their participation rates look high in absolute terms but are not directly comparable to an S&P 500 cap. Evaluate each on its own historical behavior.
  • The S&P 500 annual cap on this filing is comparatively low among ten-year-surrender FIAs in the lineup — the contract's growth story leans on the proprietary participation strategies, not on the S&P 500 cap. Buyers who want S&P 500-led growth specifically may find the cap too narrow.

Not ideal for

Buyers who need a GLWB income rider, want a guaranteed lifetime-income payout, want a cap-led accumulation FIA with a strong recognizable S&P 500 cap (the S&P cap here is conservative), or do not want to pick between fee-bearing and no-fee strategy variants.

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See how North American Secure Horizon compares for your age, state, premium, and income goals alongside other North American Company fixed indexed annuity options.

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All crediting strategies

View rate listings (88 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, state rate set, or rate type.

Par: 410% · 1-yr

Research Affiliates Global Multi-Asset Index

Year 5 — 20% allocation · participation

10-yr surrender

Par: 360% · 1-yr

Research Affiliates Global Multi-Asset Index

Year 5 — 20% allocation · participation

10-yr surrender

Par: 345% · 1-yr

Research Affiliates Global Multi-Asset Index

Year 4 — 20% allocation · participation

10-yr surrender

Par: 310% · 1-yr

Research Affiliates Global Multi-Asset Index

Year 3 — 20% allocation · participation

10-yr surrender

Par: 305% · 1-yr

Research Affiliates Global Multi-Asset Index

Year 2 — 20% allocation · participation

10-yr surrender

Par: 295% · 1-yr

Research Affiliates Global Multi-Asset Index

Year 4 — 20% allocation · participation

10-yr surrender

Par: 270% · 1-yr

Research Affiliates Global Multi-Asset Index

Year 3 — 20% allocation · participation

10-yr surrender

Par: 260% · 1-yr

Research Affiliates Global Multi-Asset Index

Year 2 — 20% allocation · participation

10-yr surrender

Par: 215% · 1-yr

Research Affiliates Global Multi-Asset Index

Strategy Fee Included · participation

10-yr surrender

Par: 215% · 1-yr

Research Affiliates Global Multi-Asset Index

Year 1 — 20% allocation · participation

10-yr surrender

Par: 175% · 1-yr

S&P PRISM Index ER

Strategy Fee Included · participation

10-yr surrender

Par: 175% · 1-yr

S&P PRISM Index ER

Year 1 — 20% allocation · participation

10-yr surrender

Par: 175% · 1-yr

Research Affiliates Global Multi-Asset Index

participation

10-yr surrender

Par: 175% · 1-yr

Research Affiliates Global Multi-Asset Index

Year 1 — 20% allocation · participation

10-yr surrender

Par: 150% · 1-yr

S&P PRISM Index ER

participation

10-yr surrender

Par: 150% · 1-yr

S&P PRISM Index ER

Year 1 — 20% allocation · participation

10-yr surrender

Fixed: 4.25% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 220% · 1-yr

Loomis Sayles Managed Futures 2 Index

Strategy Fee Included · participation

10-yr surrender

Par: 220% · 1-yr

Loomis Sayles Managed Futures 2 Index

Year 1 — 20% allocation · participation

10-yr surrender

Par: 180% · 1-yr

Loomis Sayles Managed Futures 2 Index

participation

10-yr surrender

Par: 180% · 1-yr

Loomis Sayles Managed Futures 2 Index

Year 1 — 20% allocation · participation

10-yr surrender

Par: 115% · 1-yr

NYSE Global Equity Adaptive Rotator Select Index

Strategy Fee Included · participation

10-yr surrender

Par: 115% · 1-yr

NYSE Global Equity Adaptive Rotator Select Index

Year 1 — 20% allocation · participation

10-yr surrender

Par: 95% · 1-yr

NYSE Global Equity Adaptive Rotator Select Index

participation

10-yr surrender

Par: 95% · 1-yr

NYSE Global Equity Adaptive Rotator Select Index

Year 1 — 20% allocation · participation

10-yr surrender

Par: 90% · 1-yr

S&P 500 Distance Stabilizer TCA Index (USD) ER

Year 1 — 20% allocation · participation

10-yr surrender

Par: 90% · 1-yr

S&P 500 Distance Stabilizer TCA Index (USD) ER

Strategy Fee Included · participation

10-yr surrender

Par: 80% · 1-yr

S&P 500 Distance Stabilizer TCA Index (USD) ER

Year 1 — 20% allocation · participation

10-yr surrender

Par: 80% · 1-yr

S&P 500 Distance Stabilizer TCA Index (USD) ER

participation

10-yr surrender

Cap: 8.5% · 1-yr

S&P 500 Index

cap

10-yr surrender

Par: 305% · 2-yr

Research Affiliates Global Multi-Asset Index

Strategy Fee Included · participation

10-yr surrender

Par: 260% · 2-yr

Research Affiliates Global Multi-Asset Index

participation

10-yr surrender

Par: 245% · 2-yr

S&P PRISM Index ER

Strategy Fee Included · participation

10-yr surrender

Par: 245% · 2-yr

S&P PRISM Index ER

Year 2 — 20% allocation · participation

10-yr surrender

Par: 205% · 2-yr

S&P PRISM Index ER

participation

10-yr surrender

Par: 205% · 2-yr

S&P PRISM Index ER

Year 2 — 20% allocation · participation

10-yr surrender

Par: 300% · 2-yr

Loomis Sayles Managed Futures 2 Index

Year 2 — 20% allocation · participation

10-yr surrender

Par: 300% · 2-yr

Loomis Sayles Managed Futures 2 Index

Strategy Fee Included · participation

10-yr surrender

Par: 240% · 2-yr

Loomis Sayles Managed Futures 2 Index

Year 2 — 20% allocation · participation

10-yr surrender

Par: 240% · 2-yr

Loomis Sayles Managed Futures 2 Index

participation

10-yr surrender

Par: 175% · 2-yr

NYSE Global Equity Adaptive Rotator Select Index

Year 2 — 20% allocation · participation

10-yr surrender

Par: 175% · 2-yr

NYSE Global Equity Adaptive Rotator Select Index

Strategy Fee Included · participation

10-yr surrender

Par: 140% · 2-yr

NYSE Global Equity Adaptive Rotator Select Index

Year 2 — 20% allocation · participation

10-yr surrender

Par: 140% · 2-yr

NYSE Global Equity Adaptive Rotator Select Index

participation

10-yr surrender

Par: 130% · 2-yr

S&P 500 Distance Stabilizer TCA Index (USD) ER

Strategy Fee Included · participation

10-yr surrender

Par: 115% · 2-yr

S&P 500 Distance Stabilizer TCA Index (USD) ER

Year 2 — 20% allocation · participation

10-yr surrender

Par: 110% · 2-yr

S&P 500 Distance Stabilizer TCA Index (USD) ER

Year 2 — 20% allocation · participation

10-yr surrender

Par: 110% · 2-yr

S&P 500 Distance Stabilizer TCA Index (USD) ER

participation

10-yr surrender

Par: 280% · 3-yr

S&P PRISM Index ER

Year 3 — 20% allocation · participation

10-yr surrender

Par: 240% · 3-yr

S&P PRISM Index ER

Year 3 — 20% allocation · participation

10-yr surrender

Par: 390% · 3-yr

Loomis Sayles Managed Futures 2 Index

Year 3 — 20% allocation · participation

10-yr surrender

Par: 320% · 3-yr

Loomis Sayles Managed Futures 2 Index

Year 3 — 20% allocation · participation

10-yr surrender

Par: 205% · 3-yr

NYSE Global Equity Adaptive Rotator Select Index

Year 3 — 20% allocation · participation

10-yr surrender

Par: 170% · 3-yr

NYSE Global Equity Adaptive Rotator Select Index

Year 3 — 20% allocation · participation

10-yr surrender

Par: 145% · 3-yr

S&P 500 Distance Stabilizer TCA Index (USD) ER

Year 3 — 20% allocation · participation

10-yr surrender

Par: 120% · 3-yr

S&P 500 Distance Stabilizer TCA Index (USD) ER

Year 3 — 20% allocation · participation

10-yr surrender

Par: 305% · 4-yr

S&P PRISM Index ER

Year 4 — 20% allocation · participation

10-yr surrender

Par: 265% · 4-yr

S&P PRISM Index ER

Year 4 — 20% allocation · participation

10-yr surrender

Par: 440% · 4-yr

Loomis Sayles Managed Futures 2 Index

Year 4 — 20% allocation · participation

10-yr surrender

Par: 365% · 4-yr

Loomis Sayles Managed Futures 2 Index

Year 4 — 20% allocation · participation

10-yr surrender

Par: 240% · 4-yr

NYSE Global Equity Adaptive Rotator Select Index

Year 4 — 20% allocation · participation

10-yr surrender

Par: 200% · 4-yr

NYSE Global Equity Adaptive Rotator Select Index

Year 4 — 20% allocation · participation

10-yr surrender

Par: 165% · 4-yr

S&P 500 Distance Stabilizer TCA Index (USD) ER

Year 4 — 20% allocation · participation

10-yr surrender

Par: 130% · 4-yr

S&P 500 Distance Stabilizer TCA Index (USD) ER

Year 4 — 20% allocation · participation

10-yr surrender

Par: 340% · 5-yr

S&P PRISM Index ER

Year 5 — 20% allocation · participation

10-yr surrender

Par: 300% · 5-yr

S&P PRISM Index ER

Year 5 — 20% allocation · participation

10-yr surrender

Par: 485% · 5-yr

Loomis Sayles Managed Futures 2 Index

Year 5 — 20% allocation · participation

10-yr surrender

Par: 435% · 5-yr

Loomis Sayles Managed Futures 2 Index

Year 5 — 20% allocation · participation

10-yr surrender

Par: 260% · 5-yr

NYSE Global Equity Adaptive Rotator Select Index

Year 5 — 20% allocation · participation

10-yr surrender

Par: 215% · 5-yr

NYSE Global Equity Adaptive Rotator Select Index

Year 5 — 20% allocation · participation

10-yr surrender

Par: 190% · 5-yr

S&P 500 Distance Stabilizer TCA Index (USD) ER

Year 5 — 20% allocation · participation

10-yr surrender

Par: 150% · 5-yr

S&P 500 Distance Stabilizer TCA Index (USD) ER

Year 5 — 20% allocation · participation

10-yr surrender

Par: 220% · 1-yr

Loomis Sayles Managed Futures Index

Strategy Fee Included · PP

Par: 180% · 1-yr

Loomis Sayles Managed Futures Index

PP

Par: 185% · 1-yr

S&P 500 Low Volatility Daily Risk Control 5% USD Excess Return Index

Strategy Fee Included · PP

Par: 150% · 1-yr

S&P 500 Low Volatility Daily Risk Control 5% USD Excess Return Index

PP

Par: 300% · 2-yr

Loomis Sayles Managed Futures Index

Strategy Fee Included · PP

Par: 240% · 2-yr

Loomis Sayles Managed Futures Index

PP

Par: 255% · 2-yr

S&P 500 Low Volatility Daily Risk Control 5% USD Excess Return Index

Strategy Fee Included · PP

Par: 210% · 2-yr

S&P 500 Low Volatility Daily Risk Control 5% USD Excess Return Index

PP

Rate not shown · 1-yr

Performance Strategy Ladder with Strategy Charge

Performance Strategy Ladder with Strategy Charge · AL

Other state rate set 2111

Rate not shown · 1-yr

Performance Strategy Ladder

Performance Strategy Ladder · AL

Other state rate set 2111

Rate not shown · 1-yr

Performance Strategy Ladder with Strategy Charge

Performance Strategy Ladder with Strategy Charge · AL

Selected state rate set (TX)

Rate not shown · 1-yr

Performance Strategy Ladder

Performance Strategy Ladder · AL

Selected state rate set (TX)

Rate not shown · 1-yr

Performance Strategy Ladder with Strategy Charge

Performance Strategy Ladder with Strategy Charge · AL

Selected state rate set (TX)

Rate not shown · 1-yr

Performance Strategy Ladder

Performance Strategy Ladder · AL

Selected state rate set (TX)

Rate not shown · 1-yr

Performance Strategy Ladder with Strategy Charge

Performance Strategy Ladder with Strategy Charge · AL

Selected state rate set (TX)

Rate not shown · 1-yr

Performance Strategy Ladder

Performance Strategy Ladder · AL

Selected state rate set (TX)

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

Common questions about North American Secure Horizon

● Can I lose money in North American Secure Horizon?

A negative index return by itself does not reduce the contract's account value: North American Secure Horizon credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 7% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● When can I access my money without a surrender charge?

Up to 7% of your account value each year is penalty-free. The surrender period runs 10 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do North American Secure Horizon's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current North American Secure Horizon strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

Key Features

Free withdrawal

7%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

1

Nursing home waiver

Death benefit

Accumulation Value DB

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Cap-rate floor

1.00%

Minimum guaranteed cap for cap-based indexed strategies.

Fixed account guarantee

0.10%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

5.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

9%

Yr 2

8.5%

Yr 3

7.5%

Yr 4

6.5%

Yr 5

5.5%

Yr 6

4.5%

Yr 7

3.5%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, Surrender waivers

Documents

product guide

33593Z-3.pdf

Confidence: highReviewed Apr 9, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA+
S&PA+
S&PA+

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

North American Secure Horizon currently shows 73 distinct indexed or fixed crediting choices across 102 current rate listings, including S&P 500 Index and Fixed Account, with 71 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 8.5% annual cap
  • Fixed Account: 4.25% fixed account rate

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 7%/yr free withdrawal
  • 10 surrender years
  • Nursing home waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as 33593Z-3.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

Free Comparison Report

Get a North American Secure Horizon rate report

See how North American Secure Horizon compares for your age, state, premium, and income goals alongside other North American Company fixed indexed annuity options.

Get my rate report

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