North American Secure Horizon
North American Company
7%
Free W/D
50
States
A fixed index annuity that links your growth to external market indices while protecting your principal with guaranteed minimums. Designed for investors seeking stable long-term growth with downside protection and flexibility.
Free Withdrawal
7%/yr
Available In
50 states
Min Premium
$25,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Loomis Sayles Managed Futures 2 Index | 2-Year | -- | 300% | -- |
| Loomis Sayles Managed Futures 2 Index | 3Y | -- | 320% | -- |
| Loomis Sayles Managed Futures 2 Index | 4Y | -- | 365% | -- |
| Loomis Sayles Managed Futures 2 Index | 5Y | -- | 485% | -- |
| Loomis Sayles Managed Futures 2 Index | Annual | -- | 220% | -- |
| Loomis Sayles Managed Futures Index | 2-Year | -- | 275% | -- |
| Loomis Sayles Managed Futures Index | 3Y | -- | 310% | -- |
| Loomis Sayles Managed Futures Index | 4Y | -- | 450% | -- |
| Loomis Sayles Managed Futures Index | 5Y | -- | 500% | -- |
| Loomis Sayles Managed Futures Index | Annual | -- | 225% | -- |
| NYSE Global Equity Adaptive Rotator Select Index | 2-Year | -- | 175% | -- |
| NYSE Global Equity Adaptive Rotator Select Index | 3Y | -- | 205% | -- |
| NYSE Global Equity Adaptive Rotator Select Index | 4Y | -- | 245% | -- |
| NYSE Global Equity Adaptive Rotator Select Index | 5Y | -- | 225% | -- |
| NYSE Global Equity Adaptive Rotator Select Index | Annual | -- | 115% | -- |
| Research Affiliates Global Multi-Asset Index | 2-Year | -- | 290% | -- |
| Research Affiliates Global Multi-Asset Index | Annual | -- | 260% | -- |
| S&P PRISM Index ER | 2-Year | -- | 205% | -- |
| S&P PRISM Index ER | 3Y | -- | 280% | -- |
| S&P PRISM Index ER | 4Y | -- | 305% | -- |
| S&P PRISM Index ER | 5Y | -- | 340% | -- |
| S&P PRISM Index ER | Annual | -- | 175% | -- |
| Fixed Account | Annual | -- | -- | -- |
| Fixed Account | Daily | -- | -- | 3.6% |
Key Features
Interest Credit Floor
0% minimum interest credit per yearInterest credits are guaranteed never to be less than zero, meaning your accumulation value cannot decrease due to negative index performance
Multiple Crediting Methods
4 core crediting options availableChoose from Term Point-to-Point with fixed participation rates, methods with strategy charges for higher potential returns, or the Performance Strategy Ladder for automatic diversification across terms
Penalty-Free Withdrawals
7% annually after year 1Beginning in year two, withdraw up to 7% of your beginning-of-year accumulation value annually without surrender charges or market value adjustment
Surrender Charge Period
10 years with state-dependent rates10-year surrender charge period with declining charges each year; varies by state from 4-10% in year one down to 0.44-1% by year ten
Market Value Adjustment
Limited to surrender charge or interest creditedProtects the company from early surrender losses, increasing your value when rates fall and decreasing it when rates rise
Death Benefit
At least minimum surrender valueBeneficiaries receive the accumulation value plus potential interest credits for any partial crediting term as of date of death
Nursing Home Waiver
Included at no additional cost (except South Dakota)If confined to a qualified nursing care facility, withdraw up to 100% of your accumulation value without surrender charges or MVA
Available Indices
4+ indices with varying risk profilesLink to multiple external indices including S&P 500, Loomis Sayles Managed Futures Index, Research Affiliates Global Multi-Asset Index, and others
Fixed Account Option
0.10% guaranteed minimum fixed rateEarn a guaranteed fixed interest rate for the first contract year, with rates reset annually but never below 0.10%
Accumulation Value True-Up Benefit
Applied once at surrender charge period endIf you don't take excess withdrawals during the surrender charge period, excess strategy charges are refunded at the end of the period
Highlights
Index-linked growth potential with zero downside floor—your accumulation value never decreases due to market performance
Multiple crediting methods including the Performance Strategy Ladder that automatically diversifies across five different term lengths for consistent annual opportunity
Flexible access to funds with penalty-free withdrawals up to 7% annually after year two, plus nursing home waiver included at no additional cost
Guaranteed minimum rates protect your principal while you participate in market gains through external indices like S&P 500 and managed futures
Surrender Schedule
Yr 1
10%
Yr 2
10%
Yr 3
10%
Yr 4
10%
Yr 5
10%
Yr 6
9%
Yr 7
8%
Yr 8
7%
Yr 9
6%
Yr 10
4%
After
0%
Nursing home waiver
Best For
This product is suitable for investors nearing or in retirement who want growth potential tied to market indices while protecting their principal, have a long-term time horizon of at least 10 years, and can afford to keep money invested without needing access to large sums.
Consider Alternatives If
Not suitable for investors who need immediate access to their full principal, have a time horizon shorter than 10 years, cannot tolerate surrender charges, or prefer direct stock market participation with dividend income.
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