Grow and protect your retirement savings

North American Secure HorizonSM
fixed index annuity (FIA) suite
Whether you’re nearing or in retirement, it’s important to find a solution to address today’s key retirement challenges including the low interest rate environment and market downturns. A fixed index annuity like North American Secure HorizonSM may help grow and protect your retirement savings.

Explore the opportunities available with the North American Secure HorizonSM FIA Suite:

What is a fixed index annuity?

A fixed index annuity (FIA) is a contract between you and an insurance company. An FIA offers several benefits including tax advantages and the opportunity to earn interest based on the changes of an underlying index. And because an FIA does not directly participate in any stock or equity investment, the money in your FIA (your initial principal plus any credited earnings) is protected from market risk.3
1 The Retirement Benefits Rider includes a rider charge that is deducted from the accumulation value annually.

2 Premium bonus may be subject to a premium bonus recapture. Products that have premium bonuses may offer lower credited interest rates, lower index cap rates, lower participation rates and/or greater index margins than products that don’t offer a premium bonus. Over time and under certain scenarios the amount of the premium bonus may be offset by the lower credited interest rates, lower index cap rates, lower participation rates and/or greater index margins.

3 Although fixed index annuities guarantee no loss of premium due to market downturns, deductions from your accumulation value for strategy charges and rider charges could exceed interest credited to the accumulation value, which would result in an overall reduction of premium.

Fixed index annuities are not a direct investment in the stock market. They are long term insurance products with guarantees backed by the issuing company. They provide the potential for interest to be credited based in part on the performance of specific indices, without the risk of loss of premium due to market downturns or fluctuation. Although fixed index annuities guarantee no loss of premium due to market downturns, deductions from your accumulation value for additional optional benefit riders or strategy fees associated with allocations to enhanced crediting methods could exceed interest credited to the accumulation value, which would result in loss of premium. They may not be appropriate for all clients. Interest credits to a fixed index annuity will not mirror the actual performance of the relevant index.

North American Secure HorizonSM and North American Secure HorizonSM Plus are issued on base contract form NA1015A/ICC21-NA1015A or appropriate state variation including all applicable endorsements and riders by North American Company for Life and Health Insurance, West Des Moines, IA. These products, its features and riders may not be available in all states.

Sammons Financial® is the marketing name for Sammons® Financial Group, Inc.’s member companies, including North American Company for Life and Health Insurance®. Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, North American Company for Life and Health Insurance.

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