North American Secure Horizon FIA Portfolio Allocation Models
North American Secure Horizon FIA Portfolio
North American Company for Life and Health Insurance
Index Option
Cap
Participation Rate
Spread
Fee
Allocation
Conservative Strategy
Historical Performance (2012–2023)
Year
Raw Return
Credited Return
Average
The conservative strategy seeks to eliminate a zero‑credit year by leveraging low-risk index options. It focuses on stability and avoiding zero‑interest credits, though it offers lower upside potential.
Call out: In years with market declines, this mix still delivered positive interest credits thanks to diversified indices.
Disclaimer: Independent results based on current participation rates, spreads, and fees. Historical performance for indices not live for the entire period shown (2012–2023) is backtested based on the index methodology and may not reflect actual performance. Actual credits depend on your contract’s terms and market conditions.
Moderate Strategy
Historical Performance (2012–2023)
Year
Raw Return
Credited Return
Average
The moderate strategy balances downside protection with upside capture—some zero‑credit years may occur, but you’re eligible for enhanced returns on positive index performance.
Call out: Historically, there have been years with significant index gains and some years with 0% credits, delivering a smoother ride with meaningful upside.
Disclaimer: Independent results based on current participation rates, spreads, and fees. Historical performance for indices not live for the entire period shown (2012–2023) is backtested based on the index methodology and may not reflect actual performance. Actual credits depend on your contract’s terms and market conditions.
Aggressive Strategy
Historical Performance (2012–2023)
Year
Raw Return
Credited Return
Average
The aggressive mix maximizes growth potential—accepting more zero‑credit years in exchange for greater upside on equity allocations. It’s best for those comfortable with volatility and seeking higher long‑term accumulation.
Call out: This model has delivered high average interest credits, though it recorded zero credits in some years when markets fell sharply.
Disclaimer: Independent results based on current participation rates, spreads, and fees. Historical performance for indices not live for the entire period shown (2012–2023) is backtested based on the index methodology and may not reflect actual performance. Actual credits depend on your contract’s terms and market conditions.
Custom Strategy
Historical Performance (2012–2023)
Year
Raw Return
Credited Return
Average
The custom strategy allows you to define your own allocation across index options, balancing risk and reward based on your preferences.
Call out: Historical performance reflects your chosen allocations, with potential for high returns using high-growth indices or stability with fixed options.
Disclaimer: Independent results based on current participation rates, spreads, and fees. Historical performance for indices not live for the entire period shown (2012–2023) is backtested based on the index methodology and may not reflect actual performance. Actual credits depend on your contract’s terms and market conditions.
Disclaimer: “View All Indices” shows all available index options for the selected product with zero allocation. This tool is independent of North American Company for Life and Health Insurance and is for illustrative purposes only. Historical performance for indices not live for the entire period shown (2012–2023) is backtested based on the index methodology and may not reflect actual performance. See product-specific disclosures for additional details.
Visit the carrier’s actual current interest rates here.