Secure Horizon Choice 5 Rate & Reviews

Secure Horizon Choice 5

The North American Secure Horizon Choice, a fixed index annuity, can help you confidently take control of your financial future. Secure Horizon Choice offers protection, an enhanced opportunity for growth, and tax deferral.
With Secure Horizon Choice, you can customize your growth strategy according to your retirement needs. You have the opportunity to earn interest based on the positive performance of one or more broadly diversified U.S. and global indices. Interest credits, if any, are calculated based on the strategy option you select. Any interest credited at the end of the strategy term is based on positive index performance and crediting strategy components. In addition, premium allocated to the Fixed Account will earn the current interest rate, which is credited daily.

Performance Strategy Ladder
The Term Point-to-Point Participation Rate Strategy Ladder (or Strategy Ladder) and Term Point-to-Point Participation Rate Strategy Ladder with Strategy Charge (or Strategy Ladder with Strategy Charge) methods allocate your premium equally across five index account Strategies with different term lengths. This combination of term lengths is designed to take advantage of higher participation rates generally associated with longer terms. Because at least one strategy’s term will end each Contract year, the Strategy Ladder and Strategy Ladder with Strategy Charge also provide the potential for interest credits each year.
At the end of each Strategy or sub-allocation’s term length, the accumulation value allocated to that sub-allocation may receive interest credits and will then automatically transfer to a new Strategy with a new term length and participation rates that will be declared at that time. The Strategy Ladder and Strategy Ladder with Strategy Charge will end at the end of the 5th Contract year and all funds will then be allocated to a One-year Point-to-Point with Participation Rate or One-year Point-to-Point with Participation Rate and Strategy Charge respectively unless you instruct otherwise.
You may only allocate premium to the Strategy Ladder and Strategy Ladder with Strategy Charge on the Contract’s issue date.

Available in states: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name	Type	Rates
1-Year Term S&P PRISM PTP Participation Rate	Performance Ladder Annual	130% Participation
2-Year Term S&P PRISM PTP Participation Rate	Performance Ladder Biennial	175% Participation
3-Year Term S&P PRISM PTP Participation Rate	Performance Ladder Triennial	195% Participation
4-Year Term S&P PRISM PTP Participation Rate	Performance Ladder 4-Year	210% Participation
5-Year Term S&P PRISM PTP Participation Rate	Performance Ladder 5-Year	225% Participation
1-Year Term S&P PRISM PTP Participation Rate	Performance Ladder Annual	160% Participation
2-Year Term S&P PRISM PTP Participation Rate	Performance Ladder Biennial	210% Participation
3-Year Term S&P PRISM PTP Participation Rate	Performance Ladder Triennial	235% Participation
4-Year Term S&P PRISM PTP Participation Rate	Performance Ladder 4-Year	250% Participation
5-Year Term S&P PRISM PTP Participation Rate	Performance Ladder 5-Year	265% Participation
1-Year Term Loomis Sayles Managed Futures PTP Participation Rate	Performance Ladder Annual	160% Participation
2-Year Term Loomis Sayles Managed Futures PTP Participation Rate	Performance Ladder Biennial	235% Participation
3-Year Term Loomis Sayles Managed Futures PTP Participation Rate	Performance Ladder Triennial	275% Participation
4-Year Term Loomis Sayles Managed Futures PTP Participation Rate	Performance Ladder 4-Year	285% Participation
5-Year Term Loomis Sayles Managed Futures PTP Participation Rate	Performance Ladder 5-Year	330% Participation
1-Year Term Loomis Sayles Managed Futures PTP Participation Rate	Performance Ladder Annual	200% Participation
2-Year Term Loomis Sayles Managed Futures PTP Participation Rate	Performance Ladder Biennial	285% Participation
3-Year Term Loomis Sayles Managed Futures PTP Participation Rate	Performance Ladder Triennial	325% Participation
4-Year Term Loomis Sayles Managed Futures PTP Participation Rate	Performance Ladder 4-Year	335% Participation
5-Year Term Loomis Sayles Managed Futures PTP Participation Rate	Performance Ladder 5-Year	380% Participation
1-Year Fixed Account	Fixed	3.6% Fixed
1-Year S&P 500 PTP Cap	Point to Point Annual	9.25% Cap
1-Year S&P PRISM PTP Participation Rate	Point to Point Annual	130% Participation
1-Year S&P PRISM PTP Participation Rate	Point to Point Annual	160% Participation
1-Year Loomis Sayles Managed Futures PTP Participation Rate	Point to Point Annual	160% Participation
1-Year Loomis Sayles Managed Futures PTP Participation Rate	Point to Point Annual	200% Participation

Surrender schedule

Year	1	2	3	4	5
Penalty	9%	8%	7%	6%	5%

Riders

Name	Inbuilt	Fee
Secure Horizon Choice Retirement Benefits Rider	No	0.50% annually
Secure Horizon Choice Retirement Benefits Rider (OH)	No	0.50% annually