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Fixed Indexed Annuity

North American Secure Horizon Accelerator

North American Company

5%

Best Cap

7%

Free W/D

50

Jurisdictions

Product data status: May 29, 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.

Live product data

Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

5% cap on S&P 500

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

1-year termAdvisorWorld + CANNEX data

Best fit

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

AM Best

A+ Superior

Surrender period

10 years

Free withdrawal

7%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

5% cap rate

Fixed Account

Fixed Account

3.25% declared rate

+ 30 volatility-controlled index options (Research Affiliates, S&P PRISM, Loomis Sayles...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Published premium bonus credited up front, lifting the account value from day one — the contract's distinguishing feature within the Secure Horizon family and the buyer's compensation for accepting lower caps and lower participation rates than the base sibling.
  • Wide proprietary-index participation menu (S&P PRISM ER, Research Affiliates Global Multi-Asset, Loomis Sayles Managed Futures, NYSE Global Equity Adaptive Rotator) alongside a recognizable S&P 500 annual point-to-point cap — so the bonus story rides on the same diversified index lineup as the base Secure Horizon, not a stripped-down menu.
  • Each proprietary-index strategy is offered in both a 'Strategy Fee Included' fee-bearing variant and a no-fee variant — the explicit fee/no-fee choice is preserved on the bonus filing.
  • Published annual free-withdrawal allowance and a published nursing-home surrender-charge waiver are both visible on the page.

What to confirm

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

Not ideal for

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

All crediting strategies

View rate listings (54 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 140% · 1-yr

S&P PRISM Index ER

Strategy Fee Included · participation

10-yr surrender

Par: 135% · 1-yr

Research Affiliates Global Multi-Asset Index

Strategy Fee Included · participation

10-yr surrender

Par: 100% · 1-yr

Research Affiliates Global Multi-Asset Index

participation

10-yr surrender

Par: 100% · 1-yr

S&P PRISM Index ER

participation

10-yr surrender

Fixed: 3.25% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 155% · 1-yr

Loomis Sayles Managed Futures 2 Index

Strategy Fee Included · participation

10-yr surrender

Par: 115% · 1-yr

Loomis Sayles Managed Futures 2 Index

participation

10-yr surrender

Par: 80% · 1-yr

NYSE Global Equity Adaptive Rotator Select Index

Strategy Fee Included · participation

10-yr surrender

Par: 55% · 1-yr

NYSE Global Equity Adaptive Rotator Select Index

participation

10-yr surrender

Par: 60% · 1-yr

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

Strategy Fee Included · participation

10-yr surrender

Par: 50% · 1-yr

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

participation

10-yr surrender

Cap: 5% · 1-yr

S&P 500 Index

cap

10-yr surrender

Par: 215% · 2-yr

Research Affiliates Global Multi-Asset Index

Strategy Fee Included · participation

10-yr surrender

Par: 165% · 2-yr

S&P PRISM Index ER

Strategy Fee Included · participation

10-yr surrender

Par: 155% · 2-yr

Research Affiliates Global Multi-Asset Index

participation

10-yr surrender

Par: 130% · 2-yr

S&P PRISM Index ER

participation

10-yr surrender

Par: 200% · 2-yr

Loomis Sayles Managed Futures 2 Index

Strategy Fee Included · participation

10-yr surrender

Par: 160% · 2-yr

Loomis Sayles Managed Futures 2 Index

participation

10-yr surrender

Par: 120% · 2-yr

NYSE Global Equity Adaptive Rotator Select Index

Strategy Fee Included · participation

10-yr surrender

Par: 85% · 2-yr

NYSE Global Equity Adaptive Rotator Select Index

participation

10-yr surrender

Par: 90% · 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

participation

10-yr surrender

Par: 140% · 1-yr

S&P PRISM Index ER

Strategy Fee Included

Par: 135% · 1-yr

Research Affiliates Global Multi-Asset Index

Strategy Fee Included

Par: 100% · 1-yr

Research Affiliates Global Multi-Asset Index

Par: 100% · 1-yr

S&P PRISM Index ER

Fixed: 3.25% · 1-yr

Fixed Account

Rate not shown · 1-yr

Performance Strategy Ladder with Strategy Charge

Performance Strategy Ladder with Strategy Charge

Rate not shown · 1-yr

Performance Strategy Ladder

Performance Strategy Ladder

Par: 155% · 1-yr

Loomis Sayles Managed Futures 2 Index

Strategy Fee Included

Par: 115% · 1-yr

Loomis Sayles Managed Futures 2 Index

Par: 80% · 1-yr

NYSE Global Equity Adaptive Rotator Select Index

Strategy Fee Included

Par: 55% · 1-yr

NYSE Global Equity Adaptive Rotator Select Index

Par: 155% · 1-yr

Loomis Sayles Managed Futures Index

Strategy Fee Included

Par: 115% · 1-yr

Loomis Sayles Managed Futures Index

Par: 60% · 1-yr

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

Strategy Fee Included

Par: 50% · 1-yr

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

Cap: 5% · 1-yr

S&P 500 Index

Par: 125% · 1-yr

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

Strategy Fee Included

Par: 90% · 1-yr

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

Par: 215% · 2-yr

Research Affiliates Global Multi-Asset Index

Strategy Fee Included

Par: 165% · 2-yr

S&P PRISM Index ER

Strategy Fee Included

Par: 155% · 2-yr

Research Affiliates Global Multi-Asset Index

Par: 130% · 2-yr

S&P PRISM Index ER

Par: 200% · 2-yr

Loomis Sayles Managed Futures 2 Index

Strategy Fee Included

Par: 160% · 2-yr

Loomis Sayles Managed Futures 2 Index

Par: 120% · 2-yr

NYSE Global Equity Adaptive Rotator Select Index

Strategy Fee Included

Par: 85% · 2-yr

NYSE Global Equity Adaptive Rotator Select Index

Par: 200% · 2-yr

Loomis Sayles Managed Futures Index

Strategy Fee Included

Par: 160% · 2-yr

Loomis Sayles Managed Futures Index

Par: 90% · 2-yr

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

Strategy Fee Included

Par: 55% · 2-yr

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

Par: 185% · 2-yr

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

Strategy Fee Included

Par: 130% · 2-yr

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

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.

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

19%

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.

Strategy guarantee

Minimum guaranteed cap: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 0.10%

Strategy guarantee

Minimum guaranteed participation: 5.00%

Annuitization options

Single and joint

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

rate sheet

37416Z.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 Accelerator currently shows 32 distinct indexed or fixed crediting choices across 54 current rate listings, including S&P 500 Index, S&P 500 Distance Stabilizer TCA Index (USD) ER, and S&P 500 Low Volatility Daily Risk Control 5% USD Excess Return Index, with 22 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 5% cap
  • S&P 500 Distance Stabilizer TCA Index (USD) ER: 60% participation
  • S&P 500 Distance Stabilizer TCA Index (USD) ER: 50% participation

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 37416Z.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

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