Fixed Indexed Annuity

North American Secure Horizon Choice

North American Company

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6.5%

Best S&P 500 Annual Cap

10%

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 Choice 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

Surrender term

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 July 15, 2026.

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See how North American Secure Horizon Choice 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 Choice

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

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

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

6.5% cap rate

Annual cap

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

1-year term

5-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

6.5% cap rate

Annual cap

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

1-year term

7-year surrender

Does not vary by premium

Fixed Account

4.25% declared rate

Fixed account

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

1-year term

5-year surrender

Does not vary by premium

Fixed Account

3.5% declared rate

Fixed account

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

1-year term

7-year surrender

Does not vary by premium

+ 122 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.

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All crediting strategies

View rate listings (125 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: 160% · 1-yr

S&P PRISM Index ER

Strategy Fee Included · participation