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Best Guaranteed Annuity Rates
2-Year
5.70%
3-Year
6.25%
5-Year
6.25%
7-Year
6.00%
10-Year
5.80%

NAC Secure Horizon

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Highlights

North American Secure Horizon Annuity is a single premium deferred fixed index annuity. An annuity is a long-term Contract issued by an insurance company. In exchange for a premium payment, the insurance company agrees to make payments to you later on. This annuity provides an accumulation value that may earn interest through a fixed account and various index accounts (if selected). While the fixed account earns a fixed rate of interest each year, index accounts may earn interest credits based on how an underlying index performs. Interest credits are guaranteed to never be less than zero. 

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 10th Contract year and all funds will then be allocated to a Two-year Point-to-Point with Participation Rate or Two-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
Type
Fixed Index
Purpose Accumulation
Term
10 Years
Surrender schedule
10%10%10%10%10%9%8%7%6%4%
Free withdrawal
1st year: 0%
2nd+ year: 7%
Market value adjustment
Return of premium
Launch date
10/26/2021
Minimum contribution
$25,000
Maximum contribution
$1,000,000
Max Age Qualified
79
Types of funds
Non-Qualified, IRA, IRA Rollover, IRA Transfer, TSA 403b, SEP IRA, IRA-Roth, and TSP
Brochure
Open brochure

Find out if the NAC Secure Horizon is the right product for you.

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Premium Notes

Note: if eligible you may roll over TSP to us to be administered as a qualified tax status that we offer.

Withdrawal Provisions

Penalty-free withdrawals
Beginning in the 2nd Contract Year, you may take a penalty-free withdrawal (also known as a penalty-free partial surrender) without surrender charges or market value adjustment, of up to 7% of your beginning of year Accumulation Value. On Required Minimum Distributions (RMDs) exceeding the available penalty-free allowance, surrender charges and market value adjustments will be waived by current company practice. 

Allocation Accounts

Name Type Rates
5-Year Term BlackRock ESG US 5% ER PTP Participation Rate (CA Only)
Performance Ladder
5-Year
400% Participation
4-Year Term BlackRock ESG US 5% ER PTP Participation Rate (CA Only)
Performance Ladder
4-Year
340% Participation
3-Year Term BlackRock ESG US 5% ER PTP Participation Rate (CA Only)
Performance Ladder
Triennial
310% Participation
2-Year Term BlackRock ESG US 5% ER PTP Participation Rate (CA Only)
Performance Ladder
Biennial
260% Participation
1-Year Term BlackRock ESG US 5% ER PTP Participation Rate (CA Only)
Performance Ladder
Annual
185% Participation
5-Year Term BlackRock ESG US 5% ER PTP Participation Rate (CA Only)
Performance Ladder
5-Year
450% Participation
4-Year Term BlackRock ESG US 5% ER PTP Participation Rate (CA Only)
Performance Ladder
4-Year
390% Participation
3-Year Term BlackRock ESG US 5% ER PTP Participation Rate (CA Only)
Performance Ladder
Triennial
360% Participation
2-Year Term BlackRock ESG US 5% ER PTP Participation Rate (CA Only)
Performance Ladder
Biennial
305% Participation
1-Year Term BlackRock ESG US 5% ER PTP Participation Rate (CA Only)
Performance Ladder
Annual
215% Participation
5-Year Term Loomis Sayles Managed Futures PTP Participation Rate
Performance Ladder
5-Year
450% Participation
4-Year Term Loomis Sayles Managed Futures PTP Participation Rate
Performance Ladder
4-Year
390% Participation
3-Year Term Loomis Sayles Managed Futures PTP Participation Rate
Performance Ladder
Triennial
360% Participation
2-Year Term Loomis Sayles Managed Futures PTP Participation Rate
Performance Ladder
Biennial
295% Participation
1-Year Term Loomis Sayles Managed Futures PTP Participation Rate
Performance Ladder
Annual
205% Participation
5-Year Term Loomis Sayles Managed Futures PTP Participation Rate
Performance Ladder
5-Year
500% Participation
4-Year Term Loomis Sayles Managed Futures PTP Participation Rate
Performance Ladder
4-Year
440% Participation
3-Year Term Loomis Sayles Managed Futures PTP Participation Rate
Performance Ladder
Triennial
410% Participation
2-Year Term Loomis Sayles Managed Futures PTP Participation Rate
Performance Ladder
Biennial
350% Participation
1-Year Term Loomis Sayles Managed Futures PTP Participation Rate
Performance Ladder
Annual
245% Participation
1-Year Fixed Account
Fixed
4.2% Fixed
1-Year BlackRock ESG US 5% ER PTP Participation Rate (CA Only)
Point to Point
Annual
215% Participation
1-Year BlackRock ESG US 5% ER PTP Participation Rate (CA Only)
Point to Point
Annual
185% Participation
1-Year Loomis Sayles Managed Futures PTP Participation Rate
Point to Point
Annual
245% Participation
1-Year Loomis Sayles Managed Futures PTP Participation Rate
Point to Point
Annual
205% Participation
1-Year S&P 500 LV DRC 5% ER PTP Participation Rate
Point to Point
Annual
210% Participation
1-Year S&P 500 LV DRC 5% ER PTP Participation Rate
Point to Point
Annual
175% Participation
2-Year BlackRock ESG US 5% ER PTP Participation Rate (CA Only)
Point to Point
Biennial
305% Participation
2-Year BlackRock ESG US 5% ER PTP Participation Rate (CA Only)
Point to Point
Biennial
260% Participation
2-Year Loomis Sayles Managed Futures PTP Participation Rate
Point to Point
Biennial
350% Participation
2-Year Loomis Sayles Managed Futures PTP Participation Rate
Point to Point
Biennial
295% Participation
2-Year S&P 500 LV DRC 5% ER PTP Participation Rate
Point to Point
Biennial
290% Participation
2-Year S&P 500 LV DRC 5% ER PTP Participation Rate
Point to Point
Biennial
245% Participation
3-Year Term S&P PRISM PTP Participation Rate
Performance Ladder
Triennial
310% Participation
5-Year Term S&P PRISM PTP Participation Rate
Performance Ladder
5-Year
320% Participation
4-Year Term S&P PRISM PTP Participation Rate
Performance Ladder
4-Year
295% Participation
3-Year Term S&P PRISM PTP Participation Rate
Performance Ladder
Triennial
270% Participation
2-Year Term S&P PRISM PTP Participation Rate
Performance Ladder
Biennial
235% Participation
1-Year Term S&P PRISM PTP Participation Rate
Performance Ladder
Annual
170% Participation
5-Year Term S&P PRISM PTP Participation Rate
Performance Ladder
5-Year
360% Participation
4-Year Term S&P PRISM PTP Participation Rate
Performance Ladder
4-Year
335% Participation
2-Year Term S&P PRISM PTP Participation Rate
Performance Ladder
Biennial
275% Participation
1-Year Term S&P PRISM PTP Participation Rate
Performance Ladder
Annual
200% Participation
1-Year Term Research Affiliates Global Multi-Asset PTP Participation Rate
Performance Ladder
Annual
185% Participation
2-Year Term Research Affiliates Global Multi-Asset PTP Participation Rate
Performance Ladder
Biennial
260% Participation
3-Year Term Research Affiliates Global Multi-Asset PTP Participation Rate
Performance Ladder
Triennial
300% Participation
4-Year Term Research Affiliates Global Multi-Asset PTP Participation Rate
Performance Ladder
4-Year
335% Participation
5-Year Term Research Affiliates Global Multi-Asset PTP Participation Rate
Performance Ladder
5-Year
380% Participation
1-Year Term Research Affiliates Global Multi-Asset PTP Participation Rate
Performance Ladder
Annual
220% Participation
2-Year Term Research Affiliates Global Multi-Asset PTP Participation Rate
Performance Ladder
Biennial
305% Participation
3-Year Term Research Affiliates Global Multi-Asset PTP Participation Rate
Performance Ladder
Triennial
345% Participation
4-Year Term Research Affiliates Global Multi-Asset PTP Participation Rate
Performance Ladder
4-Year
385% Participation
5-Year Term Research Affiliates Global Multi-Asset PTP Participation Rate
Performance Ladder
5-Year
430% Participation
1-Year Research Affiliates Global Multi-Asset PTP Participation Rate
Point to Point
Annual
220% Participation
2-Year Research Affiliates Global Multi-Asset PTP Participation Rate
Point to Point
Biennial
260% Participation
2-Year Research Affiliates Global Multi-Asset PTP Participation Rate
Point to Point
Biennial
305% Participation
2-Year S&P PRISM PTP Participation Rate
Point to Point
Biennial
275% Participation
1-Year Research Affiliates Global Multi-Asset PTP Participation Rate
Point to Point
Annual
185% Participation
1-Year S&P PRISM PTP Participation Rate
Point to Point
Annual
200% Participation
1-Year S&P PRISM PTP Participation Rate
Point to Point
Annual
170% Participation
2-Year S&P PRISM PTP Participation Rate
Point to Point
Biennial
235% Participation

Surrender schedule

Year 1 2 3 4 5 6 7 8 9 10
Penalty 10% 10% 10% 10% 10% 9% 8% 7% 6% 4%

Riders

No Riders for NAC Secure Horizon annuity.

Waivers

Nursing Home

Unavailable in states: SD

After your first contract year, if you become confined to a qualified nursing care facility for at least 90 consecutive days, you can withdraw 100% of your accumulation value without a surrender charge and without application of a market value adjustment. You cannot be confined at the time your contract is issued. This rider is automatically included with your annuity at no additional charge. The nursing home waiver does not include home health care.

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