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Fixed Indexed Annuity

North American Secure Horizon Plus

North American Company

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4.25%

Best S&P 500 Annual Cap

7%

Free W/D

45

Jurisdictions

Product data status: July 14, 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 Plus 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 14, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$247,989
Est. value at age 80 (North American Secure Horizon Plus)
24%
Premium bonus offered
S&P 500 Index — 4.25% 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 Plus's published cap rate (4.25% 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. Growth starts from a bonus-adjusted illustrative account value: $100,000 premium + $24,000 premium bonus (24%) = $124,000. Bonus vesting and withdrawal treatment follow the contract. Not a projection, quote, or guarantee. Live CANNEX rates as of July 14, 2026.

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See how North American Secure Horizon Plus 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 Plus

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 14, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

4.25% cap on S&P 500

A ten-year-surrender high-bonus FIA from an A+ rated North American — the largest-bonus variant of the Secure Horizon family — with a sizable up-front premium bonus paid for by lower caps and lower participation rates than the base sibling, a narrower state-availability footprint, single-life annuitization only, and a published annual free-withdrawal allowance, with no income rider.

1-year term10-year surrenderAdvisorWorld + CANNEX data

Best fit

Buyers committed to a ten-year FIA deferral who specifically want the largest up-front premium bonus available in the Secure Horizon family, are comfortable trading lower caps and lower participation rates for that bonus, do not need joint annuitization, and are in an available state.

AM Best

A+ Superior

Surrender period

10 years

Free withdrawal

7%/yr

Availability

45 jurisdictions

Featured crediting strategies

Featured rows use the selected state rate set. The full listing below labels the other CANNEX state-rate variants separately.

Index / strategyRate mechanics

S&P 500

S&P 500 Index

4.25% cap rate

Annual cap

1-year term · 10-year surrender · Premium band not shown

Fixed Account

Fixed Account

3% declared rate

Fixed account

1-year term · 10-year surrender · Premium band not shown

+ 39 additional crediting options (S&P 500, S&P PRISM, Research Affiliates...)

Product analyst notes

How to think about this contract

Why it can stand out

  • The largest published premium bonus in the Secure Horizon family — credited up front and the contract's primary distinguishing feature, lifting the account value from day one.
  • Strategy menu retains exposure to the family's recognizable proprietary indexes (S&P PRISM ER, Research Affiliates Global Multi-Asset, Loomis Sayles Managed Futures, NYSE Global Equity Adaptive Rotator) alongside an S&P 500 annual point-to-point cap, but with lower participation rates than the base sibling — buyers still get the menu, but at funded-by-bonus participation levels.
  • Each strategy is offered in fee-bearing and no-fee variants — the explicit fee/no-fee choice on the proprietary indexes is preserved.
  • Published annual free-withdrawal allowance with a published nursing-home surrender-charge waiver.

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.
  • The premium bonus is funded by lower caps and lower participation rates on the underlying strategy menu — the S&P 500 annual cap on this Plus variant is the lowest in the Secure Horizon family. Buyers should explicitly value the present value of the up-front bonus against the lifetime cap and participation-rate drag before electing this variant over the base Secure Horizon or the Choice short-surrender sibling.
  • State availability on this contract is narrower than the base Secure Horizon — confirm your state is on the contract before assuming the Plus variant is your option. Buyers outside the available-states list should look at the base Secure Horizon or the Choice sibling.
  • Bonus vesting and bonus recapture on early withdrawal are common on premium-bonus FIAs — confirm the vesting schedule on this contract with the carrier or brochure before assuming the full bonus is yours at issue. Annuitization is published as single-life only on this contract (no joint annuitization).

Not ideal for

Buyers who need a GLWB income rider, want the base Secure Horizon's higher caps and participation rates, need joint annuitization, are in a state not on this contract's narrower availability list, or cannot accept the bonus-vesting trade-off typical of premium-bonus FIAs.

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

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All crediting strategies

View rate listings (63 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: 220% · 1-yr

Research Affiliates Global Multi-Asset Index

Year 5 — 20% allocation · participation

10-yr surrender

Par: 190% · 1-yr

Research Affiliates Global Multi-Asset Index

Year 4 — 20% allocation · participation

10-yr surrender

Par: 165% · 1-yr

Research Affiliates Global Multi-Asset Index

Year 2 — 20% allocation · participation

10-yr surrender

Par: 165% · 1-yr

Research Affiliates Global Multi-Asset Index

Year 3 — 20% allocation · participation

10-yr surrender

Par: 130% · 1-yr

Loomis Sayles Managed Futures 2 Index

Strategy Fee Included · participation

10-yr surrender

Par: 130% · 1-yr

Loomis Sayles Managed Futures 2 Index

Year 1 — 20% allocation · participation

10-yr surrender

Par: 105% · 1-yr

Research Affiliates Global Multi-Asset Index

Strategy Fee Included · participation

10-yr surrender

Par: 105% · 1-yr

Research Affiliates Global Multi-Asset Index

Year 1 — 20% allocation · participation

10-yr surrender

Par: 105% · 1-yr

Research Affiliates Global Multi-Asset Index

Strategy Fee Included · participation

10-yr surrender

Par: 100% · 1-yr

S&P 500 Low Volatility Daily Risk Control 5% USD Excess Return Index

Strategy Fee Included · participation

10-yr surrender

Par: 100% · 1-yr

S&P 500 Low Volatility Daily Risk Control 5% USD Excess Return Index

Strategy Fee Included · participation

10-yr surrender

Par: 95% · 1-yr

S&P PRISM Index ER

Strategy Fee Included · participation

10-yr surrender

Par: 95% · 1-yr

S&P PRISM Index ER

Year 1 — 20% allocation · participation

10-yr surrender

Par: 95% · 1-yr

S&P PRISM Index ER

Strategy Fee Included · participation

10-yr surrender

Par: 65% · 1-yr

NYSE Global Equity Adaptive Rotator Select Index

Strategy Fee Included · participation

10-yr surrender

Par: 65% · 1-yr

NYSE Global Equity Adaptive Rotator Select Index

Year 1 — 20% allocation · participation

10-yr surrender

Fixed: 3% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 40% · 1-yr

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

Year 1 — 20% allocation · participation

10-yr surrender

Par: 40% · 1-yr

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

Strategy Fee Included · participation

10-yr surrender

Par: 40% · 1-yr

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

Strategy Fee Included · participation

10-yr surrender

Cap: 4.25% · 1-yr

S&P 500 Index

cap

10-yr surrender

Par: 175% · 2-yr

Loomis Sayles Managed Futures 2 Index

Strategy Fee Included · participation

10-yr surrender

Par: 175% · 2-yr

Loomis Sayles Managed Futures 2 Index

Year 2 — 20% allocation · participation

10-yr surrender

Par: 165% · 2-yr

Research Affiliates Global Multi-Asset Index

Strategy Fee Included · participation

10-yr surrender

Par: 165% · 2-yr

Research Affiliates Global Multi-Asset Index

Strategy Fee Included · participation

10-yr surrender

Par: 145% · 2-yr

S&P 500 Low Volatility Daily Risk Control 5% USD Excess Return Index

Strategy Fee Included · participation

10-yr surrender

Par: 145% · 2-yr

S&P 500 Low Volatility Daily Risk Control 5% USD Excess Return Index

Strategy Fee Included · participation

10-yr surrender

Par: 140% · 2-yr

S&P PRISM Index ER

Strategy Fee Included · participation

10-yr surrender

Par: 140% · 2-yr

S&P PRISM Index ER

Year 2 — 20% allocation · participation

10-yr surrender

Par: 140% · 2-yr

S&P PRISM Index ER

Strategy Fee Included · participation

10-yr surrender

Par: 95% · 2-yr

NYSE Global Equity Adaptive Rotator Select Index

Strategy Free Included · participation

10-yr surrender

Par: 95% · 2-yr

NYSE Global Equity Adaptive Rotator Select Index

Year 2 — 20% allocation · participation

10-yr surrender

Par: 55% · 2-yr

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

Year 2 — 20% allocation · participation

10-yr surrender

Par: 55% · 2-yr

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

Strategy Fee Included · participation

10-yr surrender

Par: 55% · 2-yr

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

Strategy Fee Included · participation

10-yr surrender

Par: 195% · 3-yr

Loomis Sayles Managed Futures 2 Index

Year 3 — 20% allocation · participation

10-yr surrender

Par: 140% · 3-yr

S&P PRISM Index ER

Year 3 — 20% allocation · participation

10-yr surrender

Par: 115% · 3-yr

NYSE Global Equity Adaptive Rotator Select Index

Year 3 — 20% allocation · participation

10-yr surrender

Par: 70% · 3-yr

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

Year 3 — 20% allocation · participation

10-yr surrender

Par: 235% · 4-yr

Loomis Sayles Managed Futures 2 Index

Year 4 — 20% allocation · participation

10-yr surrender

Par: 155% · 4-yr

S&P PRISM Index ER

Year 4 — 20% allocation · participation

10-yr surrender

Par: 135% · 4-yr

NYSE Global Equity Adaptive Rotator Select Index

Year 4 — 20% allocation · participation

10-yr surrender

Par: 80% · 4-yr

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

Year 4 — 20% allocation · participation

10-yr surrender

Par: 270% · 5-yr

Loomis Sayles Managed Futures 2 Index

Year 5 — 20% allocation · participation

10-yr surrender

Par: 170% · 5-yr

S&P PRISM Index ER

Year 5 — 20% allocation · participation

10-yr surrender

Par: 140% · 5-yr

NYSE Global Equity Adaptive Rotator Select Index

Year 5 — 20% allocation · participation

10-yr surrender

Par: 90% · 5-yr

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

Year 5 — 20% allocation · participation

10-yr surrender

Par: 130% · 1-yr

Loomis Sayles Managed Futures 2 Index

Strategy Fee Included · PP

Par: 105% · 1-yr

Research Affiliates Global Multi-Asset Index

Strategy Fee Included · PP

Par: 95% · 1-yr

S&P PRISM Index ER

Strategy Fee Included · PP

Par: 65% · 1-yr

NYSE Global Equity Adaptive Rotator Select Index

Strategy Fee Included · PP

Par: 55% · 1-yr

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

Strategy Fee Included · PP

Cap: 4.25% · 1-yr

S&P 500 Index

PP

Fixed: 3.5% · 1-yr

Fixed Account

FX

Rate not shown · 1-yr

Performance Stratedy Ladder with Strategy Charge

Performance Stratedy Ladder with Strategy Charge · AL

Par: 175% · 2-yr

Loomis Sayles Managed Futures 2 Index

Strategy Fee Included · PP

Par: 165% · 2-yr

Research Affiliates Global Multi-Asset Index

Strategy Fee Included · PP

Par: 140% · 2-yr

S&P PRISM Index ER

Strategy Fee Included · PP

Par: 95% · 2-yr

NYSE Global Equity Adaptive Rotator Select Index

Strategy Fee Included · PP

Par: 75% · 2-yr

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

Strategy Fee Included · PP

Rate not shown · 1-yr

Performance Strategy Ladder with Strategy Charge

Performance Strategy Ladder with Strategy Charge · AL

Other state rate set 9455

Rate not shown · 1-yr

Performance Strategy Ladder with Strategy Charge

Performance Strategy Ladder with Strategy Charge · AL

Selected state rate set (TX)

Rate not shown · 1-yr

Performance Strategy Ladder with Strategy Charge

Performance Strategy Ladder with Strategy Charge · AL

Selected state rate set (TX)

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

Common questions about North American Secure Horizon Plus

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

A negative index return by itself does not reduce the contract's account value: North American Secure Horizon Plus credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 7% 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 7% of your account value each year is penalty-free. The surrender period runs 10 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

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

Use "Compare against" in the analyzer to overlay another current North American Secure Horizon Plus 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

7%/yr

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

Surrender waivers

1

Nursing home waiver

Premium bonus

24%

Bonus terms can vary by state, premium band, and rider election.

Death benefit

Accumulation Value DB

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

Cap-rate floor

1.00%

Minimum guaranteed cap for cap-based indexed strategies.

Fixed account guarantee

0.10%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

10.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Annuitization options

Single life

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

9%

Yr 2

8.5%

Yr 3

7.5%

Yr 4

6.5%

Yr 5

5.5%

Yr 6

4.5%

Yr 7

3.5%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, Surrender waivers

Documents

product guide

33712Z-B-8.pdf

Confidence: highReviewed Apr 9, 2026

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

Carrier Ratings

AM BestA+
S&PA+
S&PA+

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

North American Secure Horizon Plus currently shows 60 distinct indexed or fixed crediting choices across 75 current rate listings, including S&P 500 Index and Fixed Account, with 56 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 4.25% annual cap
  • S&P 500 Index: 4.25% annual point-to-point cap
  • Fixed Account: 3% fixed account rate
  • Fixed Account: 3.5% fixed account rate

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.

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

Verification note

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

Carrier materials such as 33712Z-B-8.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

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

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