Secure Horizon Accelerator
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Highlights
North American Secure Horizon Accelerator is a single premium deferred fixed index annuity. Designed for today’s modern retirement portfolio, Secure Horizon Accelerator provides an immediate bonus, an enhanced opportunity for growth, and premium protection.
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.
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, CO, CT, DE, DC, FL, GA, HI, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY
|
Type
|
Fixed Index |
|---|---|
| Purpose | Accumulation |
|
Premium Bonus
|
13% |
|
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
|
04/30/2024 |
|
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 Secure Horizon Accelerator is the right product for you.
Premium Notes
Owner/Annuitant
Single or joint annuitant, owner(s) must equal annuitant(s) unless non-natural owner, joint - annuitants must be spouses.
Note: if eligible you may roll over TSP to us to be administered as a qualified tax status that we offer.
Single or joint annuitant, owner(s) must equal annuitant(s) unless non-natural owner, joint - annuitants must be spouses.
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 second contract year, once each contract year the client may take a penalty-free withdrawal (also known as a penalty-free partial surrender), without surrender charges, premium bonus recapture, or market value adjustment, of up to 7% of the beginning of year accumulation value.
Required minimum distributions
If you purchase the Annuity Contract with “tax-qualified” money, tax code and IRS regulations may require you to take “required minimum distributions” (RMDs) from your Annuity Contract each year after you reach the applicable age as determined under the tax code and IRS regulations. Regardless of the tax type of your Annuity Contract, upon your death your beneficiaries may be subject to RMDs as determined under the tax code and IRS regulation.
Market value adjustment (MVA)
The market value adjustment (MVA) is an adjustment during the surrender charge period. The MVA only applies to withdrawals above the available penalty-free withdrawal amount. The MVA depends on changes in the market value adjustment external index rate (Barclay’s US Credit Index) since the issue date. The MVA generally decreases the surrender amount when rates rise and increases the surrender amount when rates fall by more than the adjustment. With certain rate movements, it may not be possible to receive a positive MVA. An MVA will not reduce the amount surrendered below the minimum guaranteed surrender value.
Beginning in the second contract year, once each contract year the client may take a penalty-free withdrawal (also known as a penalty-free partial surrender), without surrender charges, premium bonus recapture, or market value adjustment, of up to 7% of the beginning of year accumulation value.
Required minimum distributions
If you purchase the Annuity Contract with “tax-qualified” money, tax code and IRS regulations may require you to take “required minimum distributions” (RMDs) from your Annuity Contract each year after you reach the applicable age as determined under the tax code and IRS regulations. Regardless of the tax type of your Annuity Contract, upon your death your beneficiaries may be subject to RMDs as determined under the tax code and IRS regulation.
Market value adjustment (MVA)
The market value adjustment (MVA) is an adjustment during the surrender charge period. The MVA only applies to withdrawals above the available penalty-free withdrawal amount. The MVA depends on changes in the market value adjustment external index rate (Barclay’s US Credit Index) since the issue date. The MVA generally decreases the surrender amount when rates rise and increases the surrender amount when rates fall by more than the adjustment. With certain rate movements, it may not be possible to receive a positive MVA. An MVA will not reduce the amount surrendered below the minimum guaranteed surrender value.
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 4-Year Term Research Affiliates Global Multi-Asset PTP Participation Rate |
Performance Ladder
4-Year
|
300%
Participation
|
| 3-Year Term S&P PRISM PTP Participation Rate |
Performance Ladder
Triennial
|
245%
Participation
|
| 4-Year Term S&P PRISM PTP Participation Rate |
Performance Ladder
4-Year
|
280%
Participation
|
| 5-Year Term S&P PRISM PTP Participation Rate |
Performance Ladder
5-Year
|
325%
Participation
|
| 1-Year Term Research Affiliates Global Multi-Asset PTP Participation Rate |
Performance Ladder
Annual
|
125%
Participation
|
| 2-Year Term Research Affiliates Global Multi-Asset PTP Participation Rate |
Performance Ladder
Biennial
|
180%
Participation
|
| 3-Year Term Research Affiliates Global Multi-Asset PTP Participation Rate |
Performance Ladder
Triennial
|
200%
Participation
|
| 4-Year Term Research Affiliates Global Multi-Asset PTP Participation Rate |
Performance Ladder
4-Year
|
240%
Participation
|
| 5-Year Term Research Affiliates Global Multi-Asset PTP Participation Rate |
Performance Ladder
5-Year
|
270%
Participation
|
| 1-Year Term Research Affiliates Global Multi-Asset PTP Participation Rate |
Performance Ladder
Annual
|
160%
Participation
|
| 2-Year Term Research Affiliates Global Multi-Asset PTP Participation Rate |
Performance Ladder
Biennial
|
230%
Participation
|
| 3-Year Term Research Affiliates Global Multi-Asset PTP Participation Rate |
Performance Ladder
Triennial
|
265%
Participation
|
| 2-Year Term S&P PRISM PTP Participation Rate |
Performance Ladder
Biennial
|
200%
Participation
|
| 5-Year Term Research Affiliates Global Multi-Asset PTP Participation Rate |
Performance Ladder
5-Year
|
350%
Participation
|
| 1-Year Term Loomis Sayles Managed Futures PTP Participation Rate |
Performance Ladder
Annual
|
140%
Participation
|
| 2-Year Term Loomis Sayles Managed Futures PTP Participation Rate |
Performance Ladder
Biennial
|
210%
Participation
|
| 3-Year Term Loomis Sayles Managed Futures PTP Participation Rate |
Performance Ladder
Triennial
|
240%
Participation
|
| 4-Year Term Loomis Sayles Managed Futures PTP Participation Rate |
Performance Ladder
4-Year
|
280%
Participation
|
| 5-Year Term Loomis Sayles Managed Futures PTP Participation Rate |
Performance Ladder
5-Year
|
325%
Participation
|
| 1-Year Term Loomis Sayles Managed Futures PTP Participation Rate |
Performance Ladder
Annual
|
180%
Participation
|
| 2-Year Term Loomis Sayles Managed Futures PTP Participation Rate |
Performance Ladder
Biennial
|
260%
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
|
350%
Participation
|
| 5-Year Term Loomis Sayles Managed Futures PTP Participation Rate |
Performance Ladder
5-Year
|
400%
Participation
|
| 1-Year Term S&P PRISM PTP Participation Rate |
Performance Ladder
Annual
|
140%
Participation
|
| 5-Year Term S&P PRISM PTP Participation Rate |
Performance Ladder
5-Year
|
235%
Participation
|
| 4-Year Term S&P PRISM PTP Participation Rate |
Performance Ladder
4-Year
|
210%
Participation
|
| 3-Year Term S&P PRISM PTP Participation Rate |
Performance Ladder
Triennial
|
180%
Participation
|
| 2-Year Term S&P PRISM PTP Participation Rate |
Performance Ladder
Biennial
|
160%
Participation
|
| 1-Year Term S&P PRISM PTP Participation Rate |
Performance Ladder
Annual
|
110%
Participation
|
| 1-Year Fixed Account |
Fixed
|
2.65%
Fixed
|
| 1-Year S&P PRISM PTP Participation Rate |
Point to Point
Annual
|
110%
Participation
|
| 1-Year S&P PRISM PTP Participation Rate |
Point to Point
Annual
|
140%
Participation
|
| 1-Year S&P 500 Low Volatility 5% ER PTP Participation Rate |
Point to Point
Annual
|
120%
Participation
|
| 1-Year S&P 500 Low Volatility 5% ER PTP Participation Rate |
Point to Point
Annual
|
150%
Participation
|
| 1-Year Research Affiliates Global Multi-Asset PTP Participation Rate |
Point to Point
Annual
|
125%
Participation
|
| 1-Year Research Affiliates Global Multi-Asset PTP Participation Rate |
Point to Point
Annual
|
160%
Participation
|
| 1-Year Loomis Sayles Managed Futures PTP Participation Rate |
Point to Point
Annual
|
140%
Participation
|
| 1-Year Loomis Sayles Managed Futures PTP Participation Rate |
Point to Point
Annual
|
180%
Participation
|
| 2-Year S&P PRISM PTP Participation Rate |
Point to Point
Biennial
|
160%
Participation
|
| 2-Year S&P PRISM PTP Participation Rate |
Point to Point
Biennial
|
200%
Participation
|
| 2-Year S&P 500 Low Volatility 5% ER PTP Participation Rate |
Point to Point
Biennial
|
170%
Participation
|
| 2-Year S&P 500 Low Volatility 5% ER PTP Participation Rate |
Point to Point
Biennial
|
215%
Participation
|
| 2-Year Research Affiliates Global Multi-Asset PTP Participation Rate |
Point to Point
Biennial
|
180%
Participation
|
| 2-Year Research Affiliates Global Multi-Asset PTP Participation Rate |
Point to Point
Biennial
|
230%
Participation
|
| 2-Year Loomis Sayles Managed Futures PTP Participation Rate |
Point to Point
Biennial
|
210%
Participation
|
| 2-Year Loomis Sayles Managed Futures PTP Participation Rate |
Point to Point
Biennial
|
260%
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 Secure Horizon Accelerator annuity.
Waivers
Nursing Home
Unavailable in states: SD
After your first contract year, if you become confined to a qualified nursing care facility as defined in the rider, you can withdraw 100% of your accumulation value without a surrender charge, premium bonus recapture, or a market value adjustment. If you withdraw 100% of your accumulation value, your Annuity Contract will terminate with no further benefits or value. You cannot be confined at the time your contract is issued. The waiver rider is automatically included with your Annuity Contract at no additional charge.
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