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Fixed Indexed Annuity

North American Secure Horizon Choice

North American Company

6.5%

Best Cap

10%

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

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 termAdvisorWorld + 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 period

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

Fixed Account

Fixed Account

4.25% declared rate

+ 14 volatility-controlled index 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 filing — 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.

All crediting strategies

View rate listings (30 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: 160% · 1-yr

S&P PRISM Index ER

Strategy Fee Included · participation

5-yr surrender

Par: 130% · 1-yr

S&P PRISM Index ER

participation

5-yr surrender

Cap: 6.5% · 1-yr

S&P 500 Index

cap

5-yr surrender

Fixed: 4.25% · 1-yr

Fixed Account

fixed

5-yr surrender

Par: 205% · 1-yr

Loomis Sayles Managed Futures 2 Index

Strategy Fee Included · participation

5-yr surrender

Par: 180% · 1-yr

Research Affiliates Global Multi-Asset Index

Strategy Fee Included · participation

5-yr surrender

Par: 165% · 1-yr

Loomis Sayles Managed Futures 2 Index

participation

5-yr surrender

Par: 140% · 1-yr

Research Affiliates Global Multi-Asset Index

participation

5-yr surrender

Par: 105% · 1-yr

NYSE Global Equity Adaptive Rotator Select Index

Strategy Fee Included · participation

5-yr surrender

Par: 90% · 1-yr

NYSE Global Equity Adaptive Rotator Select Index

participation

5-yr surrender

Par: 90% · 1-yr

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

Strategy Charge Included · participation

5-yr surrender

Par: 90% · 1-yr

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

Strategy Fee Included · participation

7-yr surrender

Par: 75% · 1-yr

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

participation

7-yr surrender

Par: 160% · 1-yr

S&P PRISM Index ER

Strategy Fee Included

Par: 130% · 1-yr

S&P PRISM Index ER

Cap: 6.5% · 1-yr

S&P 500 Index

Fixed: 4.25% · 1-yr

Fixed Account

Par: 90% · 1-yr

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

Strategy Fee Included

Par: 75% · 1-yr

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

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: 205% · 1-yr

Loomis Sayles Managed Futures 2 Index

Strategy Fee Included

Par: 180% · 1-yr

Research Affiliates Global Multi-Asset Index

Strategy Fee Included

Par: 165% · 1-yr

Loomis Sayles Managed Futures 2 Index

Par: 140% · 1-yr

Research Affiliates Global Multi-Asset Index

Par: 105% · 1-yr

NYSE Global Equity Adaptive Rotator Select Index

Strategy Fee Included

Par: 90% · 1-yr

NYSE Global Equity Adaptive Rotator Select Index

Par: 205% · 1-yr

Loomis Sayles Managed Futures Index

Strategy Fee Included

Par: 165% · 1-yr

Loomis Sayles Managed Futures Index

Par: 90% · 1-yr

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

Strategy Charge Included

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

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.

Strategy guarantee

Minimum guaranteed cap: 0.50%

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%

Yr 3

7%

Yr 4

6%

Yr 5

5%

Yr 6

4%

Yr 7

3%

After

0%

Nursing home waiver, RMD waiver, Surrender waivers

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+
S&PA+
S&PA+

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

North American Secure Horizon Choice currently shows 16 distinct indexed or fixed crediting choices across 30 current rate listings, including S&P 500 Index, S&P 500 Distance Stabilizer TCA Index (USD) ER, and Fixed Account, with 12 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: 6.5% cap
  • S&P 500 Distance Stabilizer TCA Index (USD) ER: 90% participation
  • S&P 500 Distance Stabilizer TCA Index (USD) ER: 75% 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.

  • 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

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