Fixed Indexed Annuity

North American Secure Horizon

North American Company

8.5%

Best S&P 500 Annual Cap

Free W/D

Available jurisdictions

Product data status: July 15, 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 15, 2026; not a projection or guarantee.

Premium$100,000

Your age60

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 15, 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 15, 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 surrenderDoes not vary by premiumAdvisorWorld + 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

Caps, participation rates, and declared rates are shown separately.

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

Index / strategyRate mechanicsCreditingSurrenderPremium

S&P 500

S&P 500 Index

8.5% cap rate

Annual cap

1-year term · 10-year surrender · Does not vary by premium

1-year term

10-year surrender

Does not vary by premium

Fixed Account

4.25% declared rate

Fixed account

1-year term · 10-year surrender · Does not vary by premium

1-year term

10-year surrender

Does not vary by premium

+ 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 contract 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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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