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Best Guaranteed Annuity Rates
2-Year
5.55%
3-Year
6.25%
5-Year
6.50%
7-Year
5.85%
10-Year
5.80%

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. 
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. 

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. 

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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