North American Secure Horizon Choice
North American Company
7.6%
Best Cap
10%
Free W/D
50
States
North American Secure Horizon Choice is a fixed index annuity that helps you grow retirement savings based on index performance while protecting your premium from market losses. It's designed for people who want growth potential with downside protection and tax deferral.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$25,000
Surrender
7 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Loomis Sayles Managed Futures 2 Index | 2-Year | -- | 240% | -- |
| Loomis Sayles Managed Futures 2 Index | 3Y | -- | 285% | -- |
| Loomis Sayles Managed Futures 2 Index | 4Y | -- | 335% | -- |
| Loomis Sayles Managed Futures 2 Index | 5Y | -- | 345% | -- |
| Loomis Sayles Managed Futures 2 Index | Annual | -- | 205% | -- |
| Loomis Sayles Managed Futures Index | 2-Year | -- | 285% | -- |
| Loomis Sayles Managed Futures Index | 3Y | -- | 290% | -- |
| Loomis Sayles Managed Futures Index | 4Y | -- | 345% | -- |
| Loomis Sayles Managed Futures Index | 5Y | -- | 425% | -- |
| Loomis Sayles Managed Futures Index | Annual | -- | 210% | -- |
| NYSE Global Equity Adaptive Rotator Select Index | 2-Year | -- | 115% | -- |
| NYSE Global Equity Adaptive Rotator Select Index | 3Y | -- | 145% | -- |
| NYSE Global Equity Adaptive Rotator Select Index | 4Y | -- | 165% | -- |
| NYSE Global Equity Adaptive Rotator Select Index | 5Y | -- | 195% | -- |
| NYSE Global Equity Adaptive Rotator Select Index | Annual | -- | 110% | -- |
| Research Affiliates Global Multi-Asset Index | 2-Year | -- | 195% | -- |
| Research Affiliates Global Multi-Asset Index | 3Y | -- | 220% | -- |
| Research Affiliates Global Multi-Asset Index | 4Y | -- | 295% | -- |
| Research Affiliates Global Multi-Asset Index | 5Y | -- | 265% | -- |
| Research Affiliates Global Multi-Asset Index | Annual | -- | 185% | -- |
| S&P 500 Index | Annual | 7.6% | 100% | -- |
| S&P PRISM Index ER | 2-Year | -- | 175% | -- |
| S&P PRISM Index ER | 3Y | -- | 210% | -- |
| S&P PRISM Index ER | 4Y | -- | 265% | -- |
| S&P PRISM Index ER | 5Y | -- | 280% | -- |
| S&P PRISM Index ER | Annual | -- | 130% | -- |
| Fixed Account | Annual | -- | -- | -- |
| Fixed Account | Daily | -- | -- | 3.4% |
Key Features
Premium Protection
100% protection from negative market performanceYour initial premium and any credited interest are 100% protected from market downturns. Interest credits lock in automatically at the end of each strategy term.
Index-Linked Growth
Upside participation without direct equity riskEarn interest based on the positive performance of U.S. and global indices you select, without directly investing in stocks or equities.
Performance Strategy Ladder
Automatic rebalancing with annual interest credit potential; $25,000 minimumA first-of-its-kind automatic allocation that divides your premium equally across five strategies with different term lengths (1-5 years), creating annual crediting opportunities while capturing higher participation rates.
Flexible Crediting Strategies
Customizable strategies matching your retirement timelineChoose from annual point-to-point with participation rate, annual point-to-point with cap rate, or Performance Strategy Ladder—each with optional Strategy Charges to boost participation rates.
Tax Deferral
Potential to accumulate significantly more assets over 30+ yearsNo current income tax on interest earnings, allowing your accumulation value to compound and grow larger over time before withdrawal.
Penalty-Free Withdrawals
10% annual penalty-free access to your moneyBeginning in year 2, withdraw up to 10% of your beginning-of-year accumulation value without surrender charges or market value adjustment.
Nursing Home Confinement Waiver
Long-term care liquidity protectionAfter year 1, if confined to a qualified nursing care facility, withdraw up to 100% of your accumulation value without surrender charges (not available in all states).
Death Benefit
Guaranteed legacy for your heirsYour beneficiary receives your accumulation value plus a pro-rata interest credit if you pass away during the contract.
Highlights
Premium protected from market downturns with automatic end-of-term lock-in of gains
Multiple customizable growth strategies including the innovative Performance Strategy Ladder with automatic allocation
Tax-deferred growth allowing accumulation to compound without annual tax liability
Flexibility to earn interest based on positive index performance without direct stock market exposure
Optional Retirement Benefits Rider available to protect against major retirement risks
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
Best For
Retirees and pre-retirees who want to grow savings with index-linked upside while protecting their premium, have a moderate risk tolerance, can commit funds for multi-year terms, and benefit from tax deferral.
Consider Alternatives If
Investors needing immediate access to all funds without penalty, those seeking high current income, or those who cannot tolerate the complexity of index-based crediting methods and surrender charge periods.
Carrier Ratings
Free Comparison Report
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