Secure Horizon Choice 7 Rate & Reviews

Secure Horizon Choice 7

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 7th 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	140% Participation
2-Year Term S&P PRISM PTP Participation Rate	Performance Ladder Biennial	190% Participation
3-Year Term S&P PRISM PTP Participation Rate	Performance Ladder Triennial	210% Participation
4-Year Term S&P PRISM PTP Participation Rate	Performance Ladder 4-Year	225% Participation
5-Year Term S&P PRISM PTP Participation Rate	Performance Ladder 5-Year	240% Participation
1-Year Term S&P PRISM PTP Participation Rate	Performance Ladder Annual	170% Participation
2-Year Term S&P PRISM PTP Participation Rate	Performance Ladder Biennial	225% Participation
3-Year Term S&P PRISM PTP Participation Rate	Performance Ladder Triennial	250% Participation
4-Year Term S&P PRISM PTP Participation Rate	Performance Ladder 4-Year	265% Participation
5-Year Term S&P PRISM PTP Participation Rate	Performance Ladder 5-Year	280% Participation
1-Year Term Loomis Sayles Managed Futures PTP Participation Rate	Performance Ladder Annual	175% Participation
2-Year Term Loomis Sayles Managed Futures PTP Participation Rate	Performance Ladder Biennial	255% Participation
3-Year Term Loomis Sayles Managed Futures PTP Participation Rate	Performance Ladder Triennial	300% Participation
4-Year Term Loomis Sayles Managed Futures PTP Participation Rate	Performance Ladder 4-Year	310% Participation
5-Year Term Loomis Sayles Managed Futures PTP Participation Rate	Performance Ladder 5-Year	360% Participation
1-Year Term Loomis Sayles Managed Futures PTP Participation Rate	Performance Ladder Annual	215% Participation
2-Year Term Loomis Sayles Managed Futures PTP Participation Rate	Performance Ladder Biennial	305% Participation
3-Year Term Loomis Sayles Managed Futures PTP Participation Rate	Performance Ladder Triennial	350% Participation
4-Year Term Loomis Sayles Managed Futures PTP Participation Rate	Performance Ladder 4-Year	360% Participation
5-Year Term Loomis Sayles Managed Futures PTP Participation Rate	Performance Ladder 5-Year	410% Participation
1-Year Fixed Account	Fixed	3.9% Fixed
1-Year S&P 500 PTP Cap	Point to Point Annual	9.5% Cap
1-Year S&P PRISM PTP Participation Rate	Point to Point Annual	140% Participation
1-Year S&P PRISM PTP Participation Rate	Point to Point Annual	170% Participation
1-Year Loomis Sayles Managed Futures PTP Participation Rate	Point to Point Annual	175% Participation
1-Year Loomis Sayles Managed Futures PTP Participation Rate	Point to Point Annual	215% Participation

Surrender schedule

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

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