Fixed Indexed Annuity

North American Secure Horizon Accelerator

North American Company

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 Accelerator 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

$222,695

Est. value at age 80 (North American Secure Horizon Accelerator)

Best S&P 500 1-yr point-to-point cap

S&P 500 Index — 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 Accelerator's published cap rate (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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See how North American Secure Horizon Accelerator compares for your age, state, premium, and income goals alongside other North American Company fixed indexed annuity options.

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Live rate data

Run live numbers for North American Secure Horizon Accelerator

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

5% cap on S&P 500

A ten-year-surrender bonus FIA from an A+ rated North American — the premium-bonus variant of the Secure Horizon family — with an up-front bonus, the same wide proprietary-index participation menu and S&P 500 annual cap as the base sibling (but at lower headline rates), each strategy offered in fee-bearing and no-fee variants, a published annual free-withdrawal allowance, and a nursing-home surrender waiver, with no income rider.

1-year term10-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Buyers committed to a ten-year FIA deferral who want an up-front premium bonus alongside the Secure Horizon family's proprietary-index participation menu, are comfortable evaluating volatility-controlled benchmarks, and accept the bonus-funding trade-off (lower caps, lower participation) versus the base Secure Horizon sibling.

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

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

3.25% 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 (Research Affiliates, S&P PRISM, Loomis Sayles...)

Product analyst notes

How to think about this contract

Why it can stand out

Published premium bonus credited up front, lifting the account value from day one — the contract's distinguishing feature within the Secure Horizon family and the buyer's compensation for accepting lower caps and lower participation rates than the base sibling.
Wide proprietary-index participation 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 — so the bonus story rides on the same diversified index lineup as the base Secure Horizon, not a stripped-down menu.
Each proprietary-index strategy is offered in both a 'Strategy Fee Included' fee-bearing variant and a no-fee variant — the explicit fee/no-fee choice is preserved on the bonus filing.
Published annual free-withdrawal allowance and a published nursing-home surrender-charge waiver are both visible on the page.

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.
Premium-bonus FIAs typically fund the bonus by reducing caps and participation rates on the underlying strategy menu. The S&P 500 annual cap on this Accelerator variant is meaningfully lower than on the base Secure Horizon sibling — buyers should compare the present value of the up-front bonus against the lifetime cap drag before electing this variant over the base.
Bonus vesting and bonus recapture on early withdrawal are common on premium-bonus FIAs — confirm the vesting schedule on this contract with the carrier or brochure before assuming the full bonus is yours at issue. The ten-year surrender schedule sets the outer bound.
Several of the highest-participation strategies carry an explicit 'Strategy Fee Included' rate charged against the credit. Per the rollout's headline-discipline rule, a fee-bearing 'enhanced' rate is NOT the contract's headline — the no-fee S&P 500 annual cap is. Treat fee-bearing strategies as a separate choice.

Not ideal for

Buyers who need a GLWB income rider, prefer the base Secure Horizon's higher caps and participation rates over the bonus-funded version, cannot accept the bonus-vesting trade-off typical of premium-bonus FIAs, or want a cap-led accumulation contract with strong recognizable S&P 500 caps.

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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: 300% · 1-yr

Research Affiliates Global Multi-Asset Index

Year 5 — 20% allocation · participation