North American Secure Horizon Accelerator
North American Company
7%
Free W/D
50
States
The North American Secure Horizon Accelerator is a fixed index annuity that lets you earn interest based on market index performance while protecting your principal. It's designed for investors seeking growth potential with downside protection and income 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 | -- | 200% | -- |
| Loomis Sayles Managed Futures 2 Index | 3Y | -- | 195% | -- |
| Loomis Sayles Managed Futures 2 Index | 4Y | -- | 230% | -- |
| Loomis Sayles Managed Futures 2 Index | 5Y | -- | 360% | -- |
| Loomis Sayles Managed Futures 2 Index | Annual | -- | 155% | -- |
| Loomis Sayles Managed Futures Index | 2-Year | -- | 210% | -- |
| Loomis Sayles Managed Futures Index | 3Y | -- | 275% | -- |
| Loomis Sayles Managed Futures Index | 4Y | -- | 245% | -- |
| Loomis Sayles Managed Futures Index | 5Y | -- | 375% | -- |
| Loomis Sayles Managed Futures Index | Annual | -- | 120% | -- |
| NYSE Global Equity Adaptive Rotator Select Index | 2-Year | -- | 120% | -- |
| NYSE Global Equity Adaptive Rotator Select Index | Annual | -- | 80% | -- |
| Research Affiliates Global Multi-Asset Index | 2-Year | -- | 155% | -- |
| Research Affiliates Global Multi-Asset Index | Annual | -- | 215% | -- |
| S&P PRISM Index ER | 2-Year | -- | 120% | -- |
| S&P PRISM Index ER | 3Y | -- | 200% | -- |
| S&P PRISM Index ER | 4Y | -- | 150% | -- |
| S&P PRISM Index ER | 5Y | -- | 230% | -- |
| S&P PRISM Index ER | Annual | -- | 115% | -- |
| Fixed Account | Annual | -- | -- | -- |
| Fixed Account | Daily | -- | -- | 3.15% |
Key Features
Premium Bonus
12-13% depending on stateImmediate bonus added to your premium at contract issue
Participation Rates
8% to 390% depending on strategy and term lengthPercentage of index gains you receive if the index performs positively
Strategy Charge
0.95% for enhanced strategies; no charge for standard optionsAnnual cost for enhanced crediting strategies, deducted from account value
Multiple Index Options
4 distinct index strategies plus fixed accountChoose from Loomis Sayles Managed Futures, Research Affiliates Global Multi-Asset, S&P 500 Low Volatility, or S&P PRISM indices
Term Flexibility
1, 2, or 5-year options availableAnnual, 2-year, or performance ladder strategies with increasing participation rates over multi-year periods
Principal Protection
100% protection from market downturnsGuaranteed no loss of premium due to market declines
Fixed Account Option
2.65% annual rateGuaranteed fixed interest rate alternative to index-linked strategies
Highlights
Fixed index annuity with guaranteed no loss of principal from market downturns
Multiple index strategies with participation rates up to 390% on 5-year ladders
Premium bonus of 12-13% added to your initial investment
Flexible allocation across four index strategies and fixed account options
Strategy charges as low as 0.95% annually with transparent cost structure
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
Conservative to moderate investors seeking market-linked growth with principal protection, who can commit funds for multi-year periods and prefer structured, transparent crediting strategies.
Consider Alternatives If
Investors needing immediate liquidity, those seeking direct stock market exposure, or those unwilling to pay strategy charges for enhanced crediting options.
Carrier Ratings
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