Issued by North American Company for Life and Health Insurance®

Strategy Options

Secure Horizon and Secure Horizon Plus offer growth opportunities with index account options that track the performance of one or more domestic and global index options you select. Each strategy has a Participation Rate, which is a percentage of index growth used to calculate your interest. There are three strategy terms you can choose from:
  • Annual point-to-pointThe annual point-to-point option tracks the performance of an index over a one-year term and can credit interest at the end of the strategy term. These strategies offer slightly lower participation rates, but benefit from the potential to credit interest annually.
  • Two-year point-to-pointThe two-year point-to-point option tracks the performance of an index over a two-year term and can credit interest at the end of the strategy term. These strategies offer higher participation rates than the 1-year strategies.
  • Performance Strategy LadderThe Performance Strategy Ladder takes advantage of higher participation rates associated with longer terms and offers the greatest growth opportunity. The Performance Strategy Ladder provides a series of scheduled transfers over a 10-year ladder period. Initially, 20% of your premium is divided into five buckets. The first bucket allocates to a 1-year term, the second to a 2-year term, all the way through the 5th bucket allocating to a 5-year term. At the end of the initial strategy term, each bucket transfers into a 5-year term. After the 5-year term, each bucket transfers into a term length equal to the years remaining in the 10-year strategy ladder period. At the end of the 10-year strategy ladder period, the funds will transfer to a 2-year term. You may only transfer out of the Performance Strategy ladder to another available annual or two-year point-to-point option at the end of a term.
With Secure Horizon, you have the opportunity to further enhance your growth potential by adding a strategy charge to any of these strategies. In exchange for the strategy charge, you receive a higher participation rate. The strategy charge is deducted from your accumulation value on the contract anniversary and is guaranteed not to increase for the life of the contract. All strategies available with Secure Horizon Plus include a Strategy Charge.

Explore the growth opportunities available with the Secure Horizon FIA Suite

See index options
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 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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