Annuity rate data updated daily

Rate data refreshes daily from AdvisorWorld and CANNEX carrier feeds. View current rates

Fixed Indexed Annuity

North American Secure Horizon Plus

North American Company

4.25%

Best Cap

7%

Free W/D

45

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

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 termAdvisorWorld + 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

Index / strategyRate mechanics

S&P 500

S&P 500 Index

4.25% cap rate

Fixed Account

Fixed Account

3% declared rate

Fixed Account

Fixed Account

3.5% declared rate

+ 14 volatility-controlled index 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 filing is narrower than the base Secure Horizon — confirm your state is on the filing 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 filing with the carrier or brochure before assuming the full bonus is yours at issue. Annuitization is published as single-life only on this filing (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 filing's narrower availability list, or cannot accept the bonus-vesting trade-off typical of premium-bonus FIAs.

All crediting strategies

View rate listings (31 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: 130% · 1-yr

Loomis Sayles Managed Futures 2 Index

Strategy Fee Included · 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: 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

Fixed: 3% · 1-yr

Fixed Account

fixed

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: 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: 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: 55% · 2-yr

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

Strategy Fee Included · participation

10-yr surrender

Par: 130% · 1-yr

Loomis Sayles Managed Futures 2 Index

Strategy Fee Included

Par: 105% · 1-yr

Research Affiliates Global Multi-Asset Index

Strategy Fee Included

Par: 95% · 1-yr

S&P PRISM Index ER

Strategy Fee Included

Par: 65% · 1-yr

NYSE Global Equity Adaptive Rotator Select Index

Strategy Fee Included

Fixed: 3.5% · 1-yr

Fixed Account

Par: 40% · 1-yr

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

Strategy Fee Included

Cap: 4.25% · 1-yr

S&P 500 Index

Rate not shown · 1-yr

Performance Strategy Ladder with Strategy Charge

Performance Strategy Ladder with Strategy Charge

Par: 100% · 1-yr

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

Strategy Fee Included

Rate not shown · 1-yr

Performance Stratedy Ladder with Strategy Charge

Performance Stratedy Ladder with Strategy Charge

Par: 175% · 2-yr

Loomis Sayles Managed Futures 2 Index

Strategy Fee Included

Par: 165% · 2-yr

Research Affiliates Global Multi-Asset Index

Strategy Fee Included

Par: 140% · 2-yr

S&P PRISM Index ER

Strategy Fee Included

Par: 95% · 2-yr

NYSE Global Equity Adaptive Rotator Select Index

Strategy Fee Included

Par: 55% · 2-yr

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

Strategy Fee Included

Par: 145% · 2-yr

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

Strategy Fee Included

Par: 95% · 2-yr

NYSE Global Equity Adaptive Rotator Select Index

Strategy Free 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

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.

Strategy guarantee

Minimum guaranteed cap: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 0.10%

Strategy guarantee

Minimum guaranteed participation: 10.00%

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 17 distinct indexed or fixed crediting choices across 31 current rate listings, including S&P 500 Index, S&P 500 Low Volatility Daily Risk Control 5% USD Excess Return Index, and S&P 500 Distance Stabilizer TCA Index (USD) ER, with 10 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: 4.25% cap
  • S&P 500 Low Volatility Daily Risk Control 5% USD Excess Return Index: 100% participation
  • S&P 500 Distance Stabilizer TCA Index (USD) ER: 40% 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 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

Get a personalized North American Secure Horizon Plus illustration

See year-by-year projections for your specific age, premium, and income goals.

Get Free Report

Related Resources