Annuity rate data from AdvisorWorld and CANNEX carrier feeds

Check the data date shown with any rate before you rely on it. View current rates

Fixed Indexed Annuity

North American Secure Horizon Choice

North American

Get my rate report

6.5%

Best S&P 500 Annual Cap

10%

Free W/D

50

Available jurisdictions

Product data status: October 2, 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.

Product terms

Review North American Secure Horizon Choice terms

Review published terms and liquidity information. Growth and income illustrations are unavailable for unmodeled crediting selections. Fees, withdrawals and surrender charges can reduce contract value.

Product analyzer
Illustrative — live CANNEX rates as of October 2, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$264,036
Est. value at age 80 (North American Secure Horizon Choice)
6.5%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 6.5% 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 Choice's published cap rate (6.5% 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 October 2, 2026.

Free Comparison Report

Get a North American Secure Horizon Choice rate report

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

Get my rate report

rate data

Run numbers for North American Secure Horizon Choice

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

Live product data

Rates as of October 2, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual cap rate

6.5% cap on S&P 500

A seven-year-surrender fixed indexed annuity from an A+ rated North American — the short-surrender member of the Secure Horizon family — with a stronger S&P 500 annual cap than the 10-year base sibling, the same proprietary-index participation menu offered in fee-bearing and no-fee variants, a published annual free-withdrawal allowance, and both nursing-home and RMD surrender waivers, with no income rider.

1-year term5-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Buyers who want the Secure Horizon family's proprietary-index menu but in a shorter seven-year surrender package, with a richer S&P 500 cap and a fuller liquidity package (a larger free-withdrawal allowance and two named surrender waivers) than the 10-year base sibling, and do not need a guaranteed-lifetime-income rider.

AM Best

A+ Superior

Surrender options

5 and 7 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

6.5% cap rate

Rate effective May 27, 2026

Annual point-to-point

Requested state: TX

1-year term · 5-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

6.5% cap rate

Rate effective May 27, 2026

Annual point-to-point

Requested state: TX

1-year term · 7-year surrender · Does not vary by premium

Fixed Account

Fixed Account

4.25% declared rate

Rate effective May 27, 2026

Fixed account

Requested state: TX

1-year term · 5-year surrender · Does not vary by premium

Fixed Account

Fixed Account

3.5% declared rate

Rate effective May 27, 2026

Fixed account

Requested state: TX

1-year term · 7-year surrender · Does not vary by premium

+ 132 additional crediting options (S&P PRISM, Loomis Sayles, NYSE Global...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Seven-year surrender — the shortest in the Secure Horizon family, so principal is locked for a meaningfully shorter window than the 10-year base sibling, with a correspondingly stronger S&P 500 annual cap as the carrier's trade-off.
  • 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 do not have to give up the family's diversified index menu to get the shorter surrender.
  • 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 short-surrender filing.
  • Published annual free-withdrawal allowance and two published surrender-charge waivers (nursing home + RMD) — a richer liquidity package than the base Secure Horizon (which carries a smaller free-withdrawal allowance and a single waiver per its live feed).

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 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.
  • 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.
  • There is no premium bonus on this contract — for an up-front bonus inside the Secure Horizon family, look at the Accelerator sibling instead (which trades cap and participation strength for the bonus).

Not ideal for

Buyers who need a GLWB income rider, want a longer ten-year rate-lock for the base Secure Horizon's diversified index menu, want a premium bonus (look at the Accelerator sibling instead), or want a cap-led S&P 500 accumulation FIA rather than a proprietary-index-led design.

Free Comparison Report

Get a North American Secure Horizon Choice rate report

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

Get my rate report

All crediting strategies

View rate listings (162 strategy and component listings)

These listings show published strategy details and any available rates. Use the filters to narrow by index, term, premium band, state rate set, or rate type.

Each option below groups its linked index and fixed components. Published factors describe parts of the option, not its complete return.

Par: 160% · 1-yr

S&P PRISM Index ER

Strategy Fee Included · Point-to-point · 0.95% annual strategy fee

Requested state: TXRate effective May 27, 20265-yr surrenderDoes not vary by premium

Par: 160% · 1-yr

S&P PRISM Index ER

Strategy Fee Included · Point-to-point

Requested state: TX5-yr surrenderDoes not vary by premium

Par: 130% · 1-yr

S&P PRISM Index ER

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective May 27, 20265-yr surrenderDoes not vary by premium

Par: 130% · 1-yr

S&P PRISM Index ER

Point-to-point

Requested state: TX5-yr surrenderDoes not vary by premium

Cap: 6.5% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective May 27, 20265-yr surrenderDoes not vary by premium

Cap: 6.5% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX5-yr surrenderDoes not vary by premium

Fixed: 4.25% · 1-yr

Fixed Account

Fixed account · 0% annual strategy fee

Requested state: TXRate effective May 27, 20265-yr surrenderDoes not vary by premium

Fixed: 4.25% · 1-yr

Fixed Account

Fixed account

Requested state: TX5-yr surrenderDoes not vary by premium

Par: 205% · 1-yr

Loomis Sayles Managed Futures 2 Index

Strategy Fee Included · Point-to-point · 0.95% annual strategy fee

Requested state: TXRate effective May 27, 20265-yr surrenderDoes not vary by premium

Par: 205% · 1-yr

Loomis Sayles Managed Futures 2 Index

Strategy Fee Included · Point-to-point

Requested state: TX5-yr surrenderDoes not vary by premium

Par: 180% · 1-yr

Research Affiliates Global Multi-Asset Index

Strategy Fee Included · Point-to-point · 0.95% annual strategy fee

Requested state: TXRate effective May 27, 20265-yr surrenderDoes not vary by premium

Par: 180% · 1-yr

Research Affiliates Global Multi-Asset Index

Strategy Fee Included · Point-to-point

Requested state: TX5-yr surrenderDoes not vary by premium

Par: 165% · 1-yr

Loomis Sayles Managed Futures 2 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective May 27, 20265-yr surrenderDoes not vary by premium

Par: 165% · 1-yr

Loomis Sayles Managed Futures 2 Index

Point-to-point

Requested state: TX5-yr surrenderDoes not vary by premium

Par: 140% · 1-yr

Research Affiliates Global Multi-Asset Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective May 27, 20265-yr surrenderDoes not vary by premium

Par: 140% · 1-yr

Research Affiliates Global Multi-Asset Index

Point-to-point

Requested state: TX5-yr surrenderDoes not vary by premium

Par: 105% · 1-yr

NYSE Global Equity Adaptive Rotator Select Index

Strategy Fee Included · Point-to-point · 0.95% annual strategy fee

Requested state: TXRate effective May 27, 20265-yr surrenderDoes not vary by premium

Par: 105% · 1-yr

NYSE Global Equity Adaptive Rotator Select Index

Strategy Fee Included · Point-to-point

Requested state: TX5-yr surrenderDoes not vary by premium

Par: 90% · 1-yr

NYSE Global Equity Adaptive Rotator Select Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective May 27, 20265-yr surrenderDoes not vary by premium

Par: 90% · 1-yr

NYSE Global Equity Adaptive Rotator Select Index

Point-to-point

Requested state: TX5-yr surrenderDoes not vary by premium

Par: 90% · 1-yr

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

Strategy Charge Included · Point-to-point · 0.95% annual strategy fee

Requested state: TXRate effective May 27, 20265-yr surrenderDoes not vary by premium

Par: 90% · 1-yr

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

Strategy Charge Included · Point-to-point

Requested state: TX5-yr surrenderDoes not vary by premium

Par: 75% · 1-yr

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

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective May 27, 20265-yr surrenderDoes not vary by premium

Par: 75% · 1-yr

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

Point-to-point

Requested state: TX5-yr surrenderDoes not vary by premium

Loomis Sayles Managed Futures 2 Index · Performance Strategy Ladder

1-year term · Income-rider applicability not specified

TX

Participation
165%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 1 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

Loomis Sayles Managed Futures 2 Index · Performance Strategy Ladder

2-year term · Income-rider applicability not specified

TX

Participation
230%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 2 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

Loomis Sayles Managed Futures 2 Index · Performance Strategy Ladder

3-year term · Income-rider applicability not specified

TX

Participation
275%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 3 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

Loomis Sayles Managed Futures 2 Index · Performance Strategy Ladder

4-year term · Income-rider applicability not specified

TX

Participation
285%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 4 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

Loomis Sayles Managed Futures 2 Index · Performance Strategy Ladder

5-year term · Income-rider applicability not specified

TX

Participation
345%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 5 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

NYSE Global Equity Adaptive Rotator Select Index · Performance Strategy Ladder

1-year term · Income-rider applicability not specified

TX

Participation
90%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 1 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

NYSE Global Equity Adaptive Rotator Select Index · Performance Strategy Ladder

2-year term · Income-rider applicability not specified

TX

Participation
120%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 2 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

NYSE Global Equity Adaptive Rotator Select Index · Performance Strategy Ladder

3-year term · Income-rider applicability not specified

TX

Participation
150%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 3 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

NYSE Global Equity Adaptive Rotator Select Index · Performance Strategy Ladder

4-year term · Income-rider applicability not specified

TX

Participation
175%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 4 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

NYSE Global Equity Adaptive Rotator Select Index · Performance Strategy Ladder

5-year term · Income-rider applicability not specified

TX

Participation
195%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 5 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

Research Affiliates Global Multi-Asset Index · Performance Strategy Ladder

1-year term · Income-rider applicability not specified

TX

Participation
295%
Participation
270%
Participation
220%
Participation
195%
Participation
140%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 5 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.
  • Year 4 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.
  • Year 3 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.
  • Year 2 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.
  • Year 1 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

S&P 500 Distance Stabilizer TCA Index (USD) ER · Performance Strategy Ladder

1-year term · Income-rider applicability not specified

TX

Participation
75%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 1 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

S&P 500 Distance Stabilizer TCA Index (USD) ER · Performance Strategy Ladder

2-year term · Income-rider applicability not specified

TX

Participation
110%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 2 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

S&P 500 Distance Stabilizer TCA Index (USD) ER · Performance Strategy Ladder

3-year term · Income-rider applicability not specified

TX

Participation
115%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 3 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

S&P 500 Distance Stabilizer TCA Index (USD) ER · Performance Strategy Ladder

4-year term · Income-rider applicability not specified

TX

Participation
135%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 4 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

S&P 500 Distance Stabilizer TCA Index (USD) ER · Performance Strategy Ladder

5-year term · Income-rider applicability not specified

TX

Participation
150%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 5 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

S&P PRISM Index ER · Performance Strategy Ladder

1-year term · Income-rider applicability not specified

TX

Participation
130%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 1 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

S&P PRISM Index ER · Performance Strategy Ladder

2-year term · Income-rider applicability not specified

TX

Participation
175%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 2 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

S&P PRISM Index ER · Performance Strategy Ladder

3-year term · Income-rider applicability not specified

TX

Participation
200%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 3 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

S&P PRISM Index ER · Performance Strategy Ladder

4-year term · Income-rider applicability not specified

TX

Participation
210%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 4 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

S&P PRISM Index ER · Performance Strategy Ladder

5-year term · Income-rider applicability not specified

TX

Participation
245%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 5 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

Loomis Sayles Managed Futures 2 Index · Performance Strategy Ladder with Strategy Charge

1-year term · Income-rider applicability not specified

TX

Participation
205%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 1 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

Loomis Sayles Managed Futures 2 Index · Performance Strategy Ladder with Strategy Charge

2-year term · Income-rider applicability not specified

TX

Participation
275%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 2 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

Loomis Sayles Managed Futures 2 Index · Performance Strategy Ladder with Strategy Charge

3-year term · Income-rider applicability not specified

TX

Participation
325%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 3 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

Loomis Sayles Managed Futures 2 Index · Performance Strategy Ladder with Strategy Charge

4-year term · Income-rider applicability not specified

TX

Participation
335%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 4 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

Loomis Sayles Managed Futures 2 Index · Performance Strategy Ladder with Strategy Charge

5-year term · Income-rider applicability not specified

TX

Participation
395%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 5 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

NYSE Global Equity Adaptive Rotator Select Index · Performance Strategy Ladder with Strategy Charge

1-year term · Income-rider applicability not specified

TX

Participation
105%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 1 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

NYSE Global Equity Adaptive Rotator Select Index · Performance Strategy Ladder with Strategy Charge

2-year term · Income-rider applicability not specified

TX

Participation
150%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 2 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

NYSE Global Equity Adaptive Rotator Select Index · Performance Strategy Ladder with Strategy Charge

3-year term · Income-rider applicability not specified

TX

Participation
170%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 3 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

NYSE Global Equity Adaptive Rotator Select Index · Performance Strategy Ladder with Strategy Charge

4-year term · Income-rider applicability not specified

TX

Participation
195%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 4 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

NYSE Global Equity Adaptive Rotator Select Index · Performance Strategy Ladder with Strategy Charge

5-year term · Income-rider applicability not specified

TX

Participation
220%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 5 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

Research Affiliates Global Multi-Asset Index · Performance Strategy Ladder with Strategy Charge

1-year term · Income-rider applicability not specified

TX

Participation
180%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 1 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

Research Affiliates Global Multi-Asset Index · Performance Strategy Ladder with Strategy Charge

2-year term · Income-rider applicability not specified

TX

Participation
220%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 2 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

Research Affiliates Global Multi-Asset Index · Performance Strategy Ladder with Strategy Charge

3-year term · Income-rider applicability not specified

TX

Participation
245%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 3 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

Research Affiliates Global Multi-Asset Index · Performance Strategy Ladder with Strategy Charge

4-year term · Income-rider applicability not specified

TX

Participation
295%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 4 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

Research Affiliates Global Multi-Asset Index · Performance Strategy Ladder with Strategy Charge

5-year term · Income-rider applicability not specified

TX

Participation
345%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 5 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

S&P 500 Distance Stabilizer TCA Index (USD) ER · Performance Strategy Ladder with Strategy Charge

1-year term · Income-rider applicability not specified

TX

Participation
90%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 1 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

S&P 500 Distance Stabilizer TCA Index (USD) ER · Performance Strategy Ladder with Strategy Charge

2-year term · Income-rider applicability not specified

TX

Participation
130%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 2 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

S&P 500 Distance Stabilizer TCA Index (USD) ER · Performance Strategy Ladder with Strategy Charge

3-year term · Income-rider applicability not specified

TX

Participation
140%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 3 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

S&P 500 Distance Stabilizer TCA Index (USD) ER · Performance Strategy Ladder with Strategy Charge

4-year term · Income-rider applicability not specified

TX

Participation
165%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 4 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

S&P 500 Distance Stabilizer TCA Index (USD) ER · Performance Strategy Ladder with Strategy Charge

5-year term · Income-rider applicability not specified

TX

Participation
190%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 5 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

S&P PRISM Index ER · Performance Strategy Ladder with Strategy Charge

1-year term · Income-rider applicability not specified

TX

Participation
160%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 1 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

S&P PRISM Index ER · Performance Strategy Ladder with Strategy Charge

2-year term · Income-rider applicability not specified

TX

Participation
210%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 2 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

S&P PRISM Index ER · Performance Strategy Ladder with Strategy Charge

3-year term · Income-rider applicability not specified

TX

Participation
240%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 3 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

S&P PRISM Index ER · Performance Strategy Ladder with Strategy Charge

4-year term · Income-rider applicability not specified

TX

Participation
250%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 4 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

S&P PRISM Index ER · Performance Strategy Ladder with Strategy Charge

5-year term · Income-rider applicability not specified

TX

Participation
280%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 5 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

5-year surrender period. Confirm contract terms and rider charges before purchase.

Par: 165% · 1-yr

S&P PRISM Index ER

Strategy Fee Included · Point-to-point · 0.95% annual strategy fee

Requested state: TXRate effective May 27, 20267-yr surrenderDoes not vary by premium

Par: 165% · 1-yr

S&P PRISM Index ER

Strategy Fee Included · Point-to-point

Requested state: TX7-yr surrenderDoes not vary by premium

Par: 140% · 1-yr

S&P PRISM Index ER

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective May 27, 20267-yr surrenderDoes not vary by premium

Par: 140% · 1-yr

S&P PRISM Index ER

Point-to-point

Requested state: TX7-yr surrenderDoes not vary by premium

Fixed: 3.5% · 1-yr

Fixed Account

Fixed account · 0% annual strategy fee

Requested state: TXRate effective May 27, 20267-yr surrenderDoes not vary by premium

Fixed: 3.5% · 1-yr

Fixed Account

Fixed account

Requested state: TX7-yr surrenderDoes not vary by premium

Par: 210% · 1-yr

Loomis Sayles Managed Futures 2 Index

Strategy Fee Included · Point-to-point · 0.95% annual strategy fee

Requested state: TXRate effective May 27, 20267-yr surrenderDoes not vary by premium

Par: 210% · 1-yr

Loomis Sayles Managed Futures 2 Index

Strategy Fee Included · Point-to-point

Requested state: TX7-yr surrenderDoes not vary by premium

Par: 185% · 1-yr

Research Affiliates Global Multi-Asset Index

Strategy Fee Included · Point-to-point · 0.95% annual strategy fee

Requested state: TXRate effective May 27, 20267-yr surrenderDoes not vary by premium

Par: 185% · 1-yr

Research Affiliates Global Multi-Asset Index

Strategy Fee Included · Point-to-point

Requested state: TX7-yr surrenderDoes not vary by premium

Par: 175% · 1-yr

Loomis Sayles Managed Futures 2 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective May 27, 20267-yr surrenderDoes not vary by premium

Par: 175% · 1-yr

Loomis Sayles Managed Futures 2 Index

Point-to-point

Requested state: TX7-yr surrenderDoes not vary by premium

Par: 145% · 1-yr

Research Affiliates Global Multi-Asset Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective May 27, 20267-yr surrenderDoes not vary by premium

Par: 145% · 1-yr

Research Affiliates Global Multi-Asset Index

Point-to-point

Requested state: TX7-yr surrenderDoes not vary by premium

Par: 110% · 1-yr

NYSE Global Equity Adaptive Rotator Select Index

Strategy Fee Included · Point-to-point · 0.95% annual strategy fee

Requested state: TXRate effective May 27, 20267-yr surrenderDoes not vary by premium

Par: 110% · 1-yr

NYSE Global Equity Adaptive Rotator Select Index

Strategy Fee Included · Point-to-point

Requested state: TX7-yr surrenderDoes not vary by premium

Par: 90% · 1-yr

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

Strategy Fee Included · Point-to-point · 0.95% annual strategy fee

Requested state: TXRate effective May 27, 20267-yr surrenderDoes not vary by premium

Par: 90% · 1-yr

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

Strategy Fee Included · Point-to-point

Requested state: TX7-yr surrenderDoes not vary by premium

Loomis Sayles Managed Futures 2 Index · Performance Strategy Ladder

1-year term · Income-rider applicability not specified

TX

Participation
175%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 1 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

Loomis Sayles Managed Futures 2 Index · Performance Strategy Ladder

2-year term · Income-rider applicability not specified

TX

Participation
240%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 2 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

Loomis Sayles Managed Futures 2 Index · Performance Strategy Ladder

3-year term · Income-rider applicability not specified

TX

Participation
285%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 3 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

Loomis Sayles Managed Futures 2 Index · Performance Strategy Ladder

4-year term · Income-rider applicability not specified

TX

Participation
300%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 4 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

Loomis Sayles Managed Futures 2 Index · Performance Strategy Ladder

5-year term · Income-rider applicability not specified

TX

Participation
365%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 5 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

NYSE Global Equity Adaptive Rotator Select Index · Performance Strategy Ladder

1-year term · Income-rider applicability not specified

TX

Participation
90%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 1 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

NYSE Global Equity Adaptive Rotator Select Index · Performance Strategy Ladder

2-year term · Income-rider applicability not specified

TX

Participation
115%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 2 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

NYSE Global Equity Adaptive Rotator Select Index · Performance Strategy Ladder

3-year term · Income-rider applicability not specified

TX

Participation
145%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 3 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

NYSE Global Equity Adaptive Rotator Select Index · Performance Strategy Ladder

4-year term · Income-rider applicability not specified

TX

Participation
165%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 4 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

NYSE Global Equity Adaptive Rotator Select Index · Performance Strategy Ladder

5-year term · Income-rider applicability not specified

TX

Participation
215%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 5 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

Research Affiliates Global Multi-Asset Index · Performance Strategy Ladder

1-year term · Income-rider applicability not specified

TX

Participation
145%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 1 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

Research Affiliates Global Multi-Asset Index · Performance Strategy Ladder

2-year term · Income-rider applicability not specified

TX

Participation
195%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 2 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

Research Affiliates Global Multi-Asset Index · Performance Strategy Ladder

3-year term · Income-rider applicability not specified

TX

Participation
220%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 3 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

Research Affiliates Global Multi-Asset Index · Performance Strategy Ladder

4-year term · Income-rider applicability not specified

TX

Participation
270%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 4 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

Research Affiliates Global Multi-Asset Index · Performance Strategy Ladder

5-year term · Income-rider applicability not specified

TX

Participation
315%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 5 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

S&P 500 Distance Stabilizer TCA Index (USD) ER · Performance Strategy Ladder

1-year term · Income-rider applicability not specified

TX

Participation
75%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 1 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

S&P 500 Distance Stabilizer TCA Index (USD) ER · Performance Strategy Ladder

2-year term · Income-rider applicability not specified

TX

Participation
110%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 2 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

S&P 500 Distance Stabilizer TCA Index (USD) ER · Performance Strategy Ladder

3-year term · Income-rider applicability not specified

TX

Participation
115%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 3 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

S&P 500 Distance Stabilizer TCA Index (USD) ER · Performance Strategy Ladder

4-year term · Income-rider applicability not specified

TX

Participation
135%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 4 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

S&P 500 Distance Stabilizer TCA Index (USD) ER · Performance Strategy Ladder

5-year term · Income-rider applicability not specified

TX

Participation
150%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 5 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

S&P PRISM Index ER · Performance Strategy Ladder

1-year term · Income-rider applicability not specified

TX

Participation
140%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 1 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

S&P PRISM Index ER · Performance Strategy Ladder

2-year term · Income-rider applicability not specified

TX

Participation
185%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 2 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

S&P PRISM Index ER · Performance Strategy Ladder

3-year term · Income-rider applicability not specified

TX

Participation
210%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 3 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

S&P PRISM Index ER · Performance Strategy Ladder

4-year term · Income-rider applicability not specified

TX

Participation
225%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 4 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

S&P PRISM Index ER · Performance Strategy Ladder

5-year term · Income-rider applicability not specified

TX

Participation
265%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 5 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

Loomis Sayles Managed Futures 2 Index · Performance Strategy Ladder with Strategy Charge

1-year term · Income-rider applicability not specified

TX

Participation
210%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 1 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

Loomis Sayles Managed Futures 2 Index · Performance Strategy Ladder with Strategy Charge

2-year term · Income-rider applicability not specified

TX

Participation
290%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 2 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

Loomis Sayles Managed Futures 2 Index · Performance Strategy Ladder with Strategy Charge

3-year term · Income-rider applicability not specified

TX

Participation
335%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 3 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

Loomis Sayles Managed Futures 2 Index · Performance Strategy Ladder with Strategy Charge

4-year term · Income-rider applicability not specified

TX

Participation
350%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 4 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

Loomis Sayles Managed Futures 2 Index · Performance Strategy Ladder with Strategy Charge

5-year term · Income-rider applicability not specified

TX

Participation
415%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 5 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

NYSE Global Equity Adaptive Rotator Select Index · Performance Strategy Ladder with Strategy Charge

1-year term · Income-rider applicability not specified

TX

Participation
110%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 1 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

NYSE Global Equity Adaptive Rotator Select Index · Performance Strategy Ladder with Strategy Charge

2-year term · Income-rider applicability not specified

TX

Participation
145%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 2 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

NYSE Global Equity Adaptive Rotator Select Index · Performance Strategy Ladder with Strategy Charge

3-year term · Income-rider applicability not specified

TX

Participation
170%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 3 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

NYSE Global Equity Adaptive Rotator Select Index · Performance Strategy Ladder with Strategy Charge

4-year term · Income-rider applicability not specified

TX

Participation
195%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 4 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

NYSE Global Equity Adaptive Rotator Select Index · Performance Strategy Ladder with Strategy Charge

5-year term · Income-rider applicability not specified

TX

Participation
245%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 5 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

Research Affiliates Global Multi-Asset Index · Performance Strategy Ladder with Strategy Charge

1-year term · Income-rider applicability not specified

TX

Participation
185%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 1 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

Research Affiliates Global Multi-Asset Index · Performance Strategy Ladder with Strategy Charge

2-year term · Income-rider applicability not specified

TX

Participation
220%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 2 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

Research Affiliates Global Multi-Asset Index · Performance Strategy Ladder with Strategy Charge

3-year term · Income-rider applicability not specified

TX

Participation
245%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 3 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

Research Affiliates Global Multi-Asset Index · Performance Strategy Ladder with Strategy Charge

4-year term · Income-rider applicability not specified

TX

Participation
295%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 4 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

Research Affiliates Global Multi-Asset Index · Performance Strategy Ladder with Strategy Charge

5-year term · Income-rider applicability not specified

TX

Participation
265%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 5 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

S&P 500 Distance Stabilizer TCA Index (USD) ER · Performance Strategy Ladder with Strategy Charge

1-year term · Income-rider applicability not specified

TX

Participation
90%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 1 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

S&P 500 Distance Stabilizer TCA Index (USD) ER · Performance Strategy Ladder with Strategy Charge

2-year term · Income-rider applicability not specified

TX

Participation
130%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 2 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

S&P 500 Distance Stabilizer TCA Index (USD) ER · Performance Strategy Ladder with Strategy Charge

3-year term · Income-rider applicability not specified

TX

Participation
140%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 3 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

S&P 500 Distance Stabilizer TCA Index (USD) ER · Performance Strategy Ladder with Strategy Charge

4-year term · Income-rider applicability not specified

TX

Participation
165%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 4 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

S&P 500 Distance Stabilizer TCA Index (USD) ER · Performance Strategy Ladder with Strategy Charge

5-year term · Income-rider applicability not specified

TX

Participation
190%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 5 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

S&P PRISM Index ER · Performance Strategy Ladder with Strategy Charge

1-year term · Income-rider applicability not specified

TX

Participation
165%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 1 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

S&P PRISM Index ER · Performance Strategy Ladder with Strategy Charge

2-year term · Income-rider applicability not specified

TX

Participation
220%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 2 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

S&P PRISM Index ER · Performance Strategy Ladder with Strategy Charge

3-year term · Income-rider applicability not specified

TX

Participation
250%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 3 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

S&P PRISM Index ER · Performance Strategy Ladder with Strategy Charge

4-year term · Income-rider applicability not specified

TX

Participation
265%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 4 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

S&P PRISM Index ER · Performance Strategy Ladder with Strategy Charge

5-year term · Income-rider applicability not specified

TX

Participation
300%

Rate effective May 27, 2026

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Year 5 · Reported percentage bounds: 20–20%. These bounds are separate from the participation rate and do not establish index allocation or declared-rate allocation.

7-year surrender period. Confirm contract terms and rider charges before purchase.

Composite strategy · Performance Strategy Ladder

1-year term · Income-rider applicability not specified

TX

Component rates are not shown for this request.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Performance Strategy Ladder

Confirm contract terms and rider charges before purchase.

Composite strategy · Performance Strategy Ladder

1-year term · Income-rider applicability not specified

TX

Component rates are not shown for this request.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Performance Strategy Ladder

Confirm contract terms and rider charges before purchase.

Composite strategy · Performance Strategy Ladder

1-year term · Income-rider applicability not specified

TX

Component rates are not shown for this request.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Performance Strategy Ladder

Confirm contract terms and rider charges before purchase.

Composite strategy · Performance Strategy Ladder

1-year term · Income-rider applicability not specified

TX

Component rates are not shown for this request.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Performance Strategy Ladder

Confirm contract terms and rider charges before purchase.

Composite strategy · Performance Strategy Ladder

1-year term · Income-rider applicability not specified

TX

Component rates are not shown for this request.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Performance Strategy Ladder

Confirm contract terms and rider charges before purchase.

Composite strategy · Performance Strategy Ladder

1-year term · Income-rider applicability not specified

TX

Component rates are not shown for this request.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Performance Strategy Ladder

Confirm contract terms and rider charges before purchase.

Composite strategy · Performance Strategy Ladder

1-year term · Income-rider applicability not specified

TX

Component rates are not shown for this request.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Performance Strategy Ladder

Confirm contract terms and rider charges before purchase.

Composite strategy · Performance Strategy Ladder

1-year term · Income-rider applicability not specified

TX

Component rates are not shown for this request.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Performance Strategy Ladder

Confirm contract terms and rider charges before purchase.

Composite strategy · Performance Strategy Ladder

1-year term · Income-rider applicability not specified

TX

Component rates are not shown for this request.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Performance Strategy Ladder

Confirm contract terms and rider charges before purchase.

Composite strategy · Performance Strategy Ladder

1-year term · Income-rider applicability not specified

TX

Component rates are not shown for this request.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Performance Strategy Ladder

Confirm contract terms and rider charges before purchase.

Composite strategy · Performance Strategy Ladder with Strategy Charge

1-year term · Income-rider applicability not specified

TX

Component rates are not shown for this request.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Performance Strategy Ladder with Strategy Charge

Confirm contract terms and rider charges before purchase.

Composite strategy · Performance Strategy Ladder with Strategy Charge

1-year term · Income-rider applicability not specified

TX

Component rates are not shown for this request.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Performance Strategy Ladder with Strategy Charge

Confirm contract terms and rider charges before purchase.

Composite strategy · Performance Strategy Ladder with Strategy Charge

1-year term · Income-rider applicability not specified

TX

Component rates are not shown for this request.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Performance Strategy Ladder with Strategy Charge

Confirm contract terms and rider charges before purchase.

Composite strategy · Performance Strategy Ladder with Strategy Charge

1-year term · Income-rider applicability not specified

TX

Component rates are not shown for this request.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Performance Strategy Ladder with Strategy Charge

Confirm contract terms and rider charges before purchase.

Composite strategy · Performance Strategy Ladder with Strategy Charge

1-year term · Income-rider applicability not specified

TX

Component rates are not shown for this request.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Performance Strategy Ladder with Strategy Charge

Confirm contract terms and rider charges before purchase.

Composite strategy · Performance Strategy Ladder with Strategy Charge

1-year term · Income-rider applicability not specified

TX

Component rates are not shown for this request.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Performance Strategy Ladder with Strategy Charge

Confirm contract terms and rider charges before purchase.

Composite strategy · Performance Strategy Ladder with Strategy Charge

1-year term · Income-rider applicability not specified

TX

Component rates are not shown for this request.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Performance Strategy Ladder with Strategy Charge

Confirm contract terms and rider charges before purchase.

Composite strategy · Performance Strategy Ladder with Strategy Charge

1-year term · Income-rider applicability not specified

TX

Component rates are not shown for this request.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Performance Strategy Ladder with Strategy Charge

Confirm contract terms and rider charges before purchase.

Composite strategy · Performance Strategy Ladder with Strategy Charge

1-year term · Income-rider applicability not specified

TX

Component rates are not shown for this request.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Performance Strategy Ladder with Strategy Charge

Confirm contract terms and rider charges before purchase.

Composite strategy · Performance Strategy Ladder with Strategy Charge

1-year term · Income-rider applicability not specified

TX

Component rates are not shown for this request.

Component factors are not a complete strategy return. A complete strategy illustration is unavailable.

Additional contract details
  • Performance Strategy Ladder with Strategy Charge

Confirm contract terms and rider charges before purchase.

Accumulation profile

Accumulation-focused contract

The CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Common questions about North American Secure Horizon Choice

● Can I lose money in North American Secure Horizon Choice?

A negative index return by itself does not reduce the contract's account value: North American Secure Horizon Choice credits 0% — the floor — for that indexed period. The account value can still decrease from published strategy fees, withdrawals, surrender charges, other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% 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 10% of your account value each year is penalty-free. The scheduled surrender charges run 7 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

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

Use "Compare against" in the analyzer to overlay another available North American Secure Horizon Choice 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

10%/yr

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

Surrender waivers

2

Nursing home waiver, RMD waiver

Death benefit

Accumulation Value DB

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

Cap-rate floor

0.50%

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

Certain period, Joint life, Single life

Published payout options from the normalized contract facts.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

9%

Yr 2

8%

Yr 3

7%

Yr 4

6%

Yr 5

5%

Yr 6

4%

Yr 7

3%

After

0%

Nursing home waiver, RMD waiver

Documents

brochure

35636Z-Secure-Horizon-Choice-Brochure.pdf

Confidence: highReviewed Apr 9, 2026

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

Carrier Ratings

AM BestA+
FitchA+
S&PA+

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

North American Secure Horizon Choice currently shows 162 published rate entries, including components that cannot be modeled as standalone crediting choices, including S&P 500 Index and Fixed Account, with 122 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing strategy variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 6.5% annual cap, 0% annual strategy fee
  • S&P 500 Index: 6.5% annual cap
  • Fixed Account: 4.25% fixed account rate, 0% annual strategy fee
  • Fixed Account: 3.5% fixed account rate, 0% annual strategy fee

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.

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

Verification note

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

Carrier materials such as 35636Z-Secure-Horizon-Choice-Brochure.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 Choice rate report

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

Get my rate report

Related Resources

Machine-readable citation contract

Cite this

Cite this page for its methodology or interpretation. Current figures may refresh, so this canonical page URL is not a frozen data citation. To quote a market statistic, use the citation showing its observed as-of date and immutable JSON verification URL published by the Annuity Rate Statistics hub. Bulk product-level CANNEX records are not licensed for redistribution.

Page citation: Source: AnnuityRatesHQ · https://annuityrateshq.com/providers/north-american/fia/north-american-secure-horizon-choice
<a href='https://annuityrateshq.com/rate-index'>Rate data: AnnuityRatesHQ Annuity Rate Index</a>

Full attribution terms and copy-ready HTML: annuityrateshq.com/cite-us