Annuity Educator
Best Guaranteed Annuity Rates
2-Year
5.50%
3-Year
6.25%
5-Year
6.30%
7-Year
5.80%
10-Year
5.80%

NAC Secure Horizon Choice 5

In the complex world of retirement planning, annuities stand out as a popular choice for those seeking steady income streams in their golden years. Amidst a crowded market, a few annuity companies have distinguished themselves through their robust financial strength, customer service excellence, and diverse product offerings.

Get an annuity today!

Learn how an annuity can provide guaranteed income for life.

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.

**Please note: The Retirement Benefits Rider is not displayed in the calculators because it does not have a lifetime income feature.
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
3-Year Term S&P PRISM PTP Participation Rate
Performance Ladder
Triennial
275% Participation
5-Year Term Loomis Sayles Managed Futures PTP Participation Rate
Performance Ladder
5-Year
430% Participation
4-Year Term Loomis Sayles Managed Futures PTP Participation Rate
Performance Ladder
4-Year
385% Participation
3-Year Term Loomis Sayles Managed Futures PTP Participation Rate
Performance Ladder
Triennial
365% Participation
2-Year Term Loomis Sayles Managed Futures PTP Participation Rate
Performance Ladder
Biennial
315% Participation
1-Year Term Loomis Sayles Managed Futures PTP Participation Rate
Performance Ladder
Annual
225% Participation
5-Year Term Loomis Sayles Managed Futures PTP Participation Rate
Performance Ladder
5-Year
380% Participation
4-Year Term Loomis Sayles Managed Futures PTP Participation Rate
Performance Ladder
4-Year
335% Participation
3-Year Term Loomis Sayles Managed Futures PTP Participation Rate
Performance Ladder
Triennial
315% Participation
2-Year Term Loomis Sayles Managed Futures PTP Participation Rate
Performance Ladder
Biennial
265% Participation
1-Year Term Loomis Sayles Managed Futures PTP Participation Rate
Performance Ladder
Annual
185% Participation
5-Year Term S&P PRISM PTP Participation Rate
Performance Ladder
5-Year
305% Participation
4-Year Term S&P PRISM PTP Participation Rate
Performance Ladder
4-Year
285% Participation
2-Year Term S&P PRISM PTP Participation Rate
Performance Ladder
Biennial
240% Participation
1-Year Term S&P PRISM PTP Participation Rate
Performance Ladder
Annual
185% Participation
5-Year Term S&P PRISM PTP Participation Rate
Performance Ladder
5-Year
270% Participation
4-Year Term S&P PRISM PTP Participation Rate
Performance Ladder
4-Year
245% Participation
3-Year Term S&P PRISM PTP Participation Rate
Performance Ladder
Triennial
230% Participation
2-Year Term S&P PRISM PTP Participation Rate
Performance Ladder
Biennial
205% Participation
1-Year Term S&P PRISM PTP Participation Rate
Performance Ladder
Annual
155% Participation
1-Year Fixed Account
Fixed
4% Fixed
1-Year Loomis Sayles Managed Futures PTP Participation Rate
Point to Point
Annual
225% Participation
1-Year Loomis Sayles Managed Futures PTP Participation Rate
Point to Point
Annual
185% Participation
1-Year S&P PRISM PTP Participation Rate
Point to Point
Annual
185% Participation
1-Year S&P PRISM PTP Participation Rate
Point to Point
Annual
155% Participation
1-Year S&P 500 PTP Cap
Point to Point
Annual
8.5% Cap

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