Index Crediting Methods
Explore available growth opportunities
Secure HorizonSM IUL provides a variety of index crediting methods designed to help you grow cash value while protected from loss associated with the market. Options include traditional capped and uncapped strategies as well as innovative S&P 500® trigger strategies that can credit interest when the index is up, flat, and in some down scenarios.
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Marketing materials may not be available for use in all states.
Uncapped Strategies
An uncapped crediting method allows you to benefit from the positive growth in index value without a set cap on returns and is subject to the index participation rate and spread.1 Index participation rate is the portion of the index change that is used in the calculation of the index credit. The index participation rate will be declared for each index segment in advance of each index period, but it will never be less than the minimum index participation rate shown in the policy.
Uncapped strategies are available in one-, two-, and three-year crediting methods and allow you to customize crediting frequency and the portion of the index change that you can capture.
Maximize Crediting Frequency one-year point-to-point
Strategies are best suited for individuals looking to receive more frequent crediting potential. Tracks the performance of an index over a one-year term. Offers lower participation rates and the ability to adjust your strategy more frequently.
A Balanced Approach two-year point-to-point
Strategies are best suited for individuals looking to balance growth and crediting frequency. Tracks the performance of an index over a two-year term and offers higher participation rates than one-year options.
Maximize Growth Potential three-year point-to-point
Strategies are best suited for individuals looking to maximize growth potential. Tracks the performance of an index over a three-year term in order to provide higher participation rates than one-year and two-year options.
Capped Strategy
An index cap rate is the maximum interest rate that is used in the calculation of the index credit. It allows you to benefit from positive index returns up to a cap. The index cap rate will be declared for each index segment before each index period. The index cap rate will never be less than the minimum index cap rate shown in the policy.
1 The index spread rate is the rate that is subtracted from the index growth. The index spread rate will be declared for each index segment in advance of each index period, and it will never be greater than the maximum index spread rate shown in the policy. It is available only on the S&P® 500 one-year point-to-point with participation rate and spread.
Indexed universal life products are not an investment in the “market” or in the applicable index and are subject to all policy fees and charges normally associated with most universal life insurance.
The “S&P 500®”, (“the Index”) is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and have been licensed for use by North American Company for Life and Health Insurance® (“the Company”). S&P®, S&P 500®, US 500, The 500, iBoxx®, iTraxx® and CDX® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). The Company’s Product is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or their respective affiliates and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the Index.
Life insurance policies have terms under which the policy may be continued in force or discontinued. Current cost of insurance rates and interest rates are not guaranteed. Therefore, the planned periodic premium may not be sufficient to carry the contract to maturity. The Index Accounts are subject to caps, participation and spread rates. In no case will the interest credited be less than 0 percent. Please refer to the customized illustration provided by your agent for additional detail. The policy’s death benefit is paid upon the death of the insured. The policy does not continue to accumulate cash value and excess interest after the insured’s death. For costs and complete details, call or write North American Company for Life and Health Insurance, Administrative Office, One Sammons Plaza, Sioux Falls, SD 57193. Telephone: 877-872-0757.
The term financial professional is not intended to imply engagement in an advisory business in which compensation is not related to sales. Financial professionals that are insurance licensed will be paid a commission on the sale of an insurance product.
Annexus and their affiliated agencies are independently contracted with North American Company for Life and Health Insurance.
Secure Horizon IUL is issued on form P100/ICC22P100 (policy), E100/ICC22E100, E101/ICC22E101, E103/ICC22E103, E104/ICC22E104, E105/ICC22E105, E109/ICC22E109, E110/ICC22E110, E111/ICC22E111, E115/ICC24E115, E117, R100/ICC23R100, R101/ICC23R101, R102/ICC23R102, R103/ICC22R103, R106/ICC23R106, (riders/ endorsements) or appropriate state variation by North American Company for Life and Health Insurance®, West Des Moines, IA. Products, features, endorsements, riders or issue ages may not be available in all states. Limitations or restrictions may apply.
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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