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Best Guaranteed Annuity Rates
2-Year
5.70%
3-Year
6.25%
5-Year
6.30%
7-Year
6.00%
10-Year
5.80%

NAC Secure Horizon Plus

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Highlights

North American Secure Horizon Plus 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 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 with Strategy Charge (or Strategy Ladder with Strategy Charge) method allocates 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 with Strategy Charge also provides 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 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 and Strategy Charge unless you instruct otherwise.
You may only allocate premium to the 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, AZ, AR, CA, CO, DE, DC, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MO, MT, NE, NV, NH, NM, NC, ND, OH, OK, PA, RI, SC, SD, TN, TX, UT, VT, VA, WV, WI, and WY
Type
Fixed Index
Purpose Accumulation +ADL/Legacy/Income
Premium Bonus
20%
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, SEP IRA, IRA-Roth, and TSP
Brochure
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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
275% Participation
4-Year Term BlackRock ESG US 5% ER PTP Participation Rate (CA Only)
Performance Ladder
4-Year
250% Participation
3-Year Term BlackRock ESG US 5% ER PTP Participation Rate (CA Only)
Performance Ladder
Triennial
215% Participation
2-Year Term BlackRock ESG US 5% ER PTP Participation Rate (CA Only)
Performance Ladder
Biennial
200% Participation
1-Year Term BlackRock ESG US 5% ER PTP Participation Rate (CA Only)
Performance Ladder
Annual
145% Participation
5-Year Term Loomis Sayles Managed Futures PTP Participation Rate
Performance Ladder
5-Year
305% Participation
4-Year Term Loomis Sayles Managed Futures PTP Participation Rate
Performance Ladder
4-Year
280% Participation
3-Year Term Loomis Sayles Managed Futures PTP Participation Rate
Performance Ladder
Triennial
240% Participation
2-Year Term Loomis Sayles Managed Futures PTP Participation Rate
Performance Ladder
Biennial
225% Participation
1-Year Term Loomis Sayles Managed Futures PTP Participation Rate
Performance Ladder
Annual
155% Participation
1-Year Fixed Account
Fixed
2.65% Fixed
1-Year BlackRock ESG US 5% ER PTP Participation Rate (CA Only)
Point to Point
Annual
145% Participation
1-Year Loomis Sayles Managed Futures PTP Participation Rate
Point to Point
Annual
155% Participation
1-Year S&P 500 LV DRC 5% ER PTP Participation Rate
Point to Point
Annual
130% Participation
2-Year BlackRock ESG US 5% ER PTP Participation Rate (CA Only)
Point to Point
Biennial
200% Participation
2-Year S&P 500 LV DRC 5% ER PTP Participation Rate
Point to Point
Biennial
175% Participation
2-Year Loomis Sayles Managed Futures PTP Participation Rate
Point to Point
Biennial
225% Participation
5-Year Term Research Affiliates Global Multi-Asset PTP Participation Rate
Performance Ladder
5-Year
260% Participation
4-Year Term Research Affiliates Global Multi-Asset PTP Participation Rate
Performance Ladder
4-Year
235% Participation
3-Year Term Research Affiliates Global Multi-Asset PTP Participation Rate
Performance Ladder
Triennial
205% Participation
2-Year Term Research Affiliates Global Multi-Asset PTP Participation Rate
Performance Ladder
Biennial
190% Participation
1-Year Term Research Affiliates Global Multi-Asset PTP Participation Rate
Performance Ladder
Annual
135% Participation
1-Year Term S&P PRISM PTP Participation Rate
Performance Ladder
Annual
125% Participation
2-Year Term S&P PRISM PTP Participation Rate
Performance Ladder
Biennial
180% Participation
3-Year Term S&P PRISM PTP Participation Rate
Performance Ladder
Triennial
185% 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
230% Participation
2-Year S&P PRISM PTP Participation Rate
Point to Point
Biennial
180% Participation
1-Year S&P PRISM PTP Participation Rate
Point to Point
Annual
125% Participation
1-Year Research Affiliates Global Multi-Asset PTP Participation Rate
Point to Point
Annual
135% Participation
2-Year Research Affiliates Global Multi-Asset PTP Participation Rate
Point to Point
Biennial
190% 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

Name Inbuilt Fee
Retirement Benefits Rider Yes 1.20% annually
Retirement Benefits Rider (State Variation) Yes 1.45% annually
Retirement Benefits Rider (OH) Yes 1.45% annually

Waivers

Nursing Home

Unavailable in states: SD

After the first Contract anniversary, if the covered person is confined to a qualified nursing home facility for at least 90 consecutive days, you may withdraw up to 100% of your accumulation value without a surrender charge or MVA. If you withdraw 100% of your accumulation value, your Contract will terminate. This waiver is automatically included with your annuity at no additional charge. Potential interest credits for any partial crediting term are only not available with this benefit and are only available as part of the Contract death benefit. The nursing home waiver does not include home health care.

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