North American® and Annexus Continue to Define Industry with Launch of North American Secure HorizonSM ;Choice Fixed Index Annuity

North American Secure HorizonSM fixed index annuity suite expanded with new Secure HorizonSM Choice

Des Moines, Iowa – February 1, 2023 – North American Company for Life and Health Insurance® (North American), a member company of Sammons® Financial Group and one of the largest issuers of fixed index annuities (FIAs) in the U.S.,1 has once again joined forces with Annexus, a premier independent designer of FIAs. The new North American Secure HorizonSM Choice (Secure Horizon Choice) fixed index annuity offers shorter 5- and 7- year terms and is designed to help clients reach their financial goals by offering growth and protection for their retirement savings.

In addition to an automatic and industry-first Performance Strategy Ladder created to provide enhanced growth opportunities, Secure Horizon Choice also offers an optional 4-in-1 Retirement Benefits Rider.2 Available for an additional cost, the 4-in-1 Retirement Benefits Rider helps address the primary risks clients may face in retirement–death, health impairment, longevity, and the possible reduction in benefits that the Social Security Administration projects may occur starting in 2034.3

“We are proud to continue working with Annexus, building on the success of North American Secure HorizonSM and North American Secure HorizonSM Plus FIAs,” said Rob TeKolste, president, Sammons Independent Annuity Group. “Secure Horizon Choice is yet another innovative solution for financial professionals to expand their services and better meet clients’ needs. In addition to helping clients grow and protect their savings, the optional 4-in-1 Retirement Benefits Rider available with Secure Horizon Choice enables them to prepare for the four common risks that may derail retirement plans.”

“Annexus strives to provide our distribution partners with the most innovative solutions on the market,” said Ron Shurts, Annexus Co-founder. “Secure Horizon Choice is precisely that— the next evolution in FIA design, providing a competitive growth opportunity that complements the Annexus portfolio of top-tier products. One of the most unique things about this new FIA suite is the option to elect the Retirement Benefits Rider which includes a groundbreaking Social Security reduction-triggered benefit and a two-of-six activities of daily living benefit. We’re excited to extend our partnership with North American and PlanGap to bring this product to market nationally.”

Advisors, Registered Investment Advisors (RIAs), and insurance professionals seeking access to this product should contact their Annexus-affiliated Independent Distribution Company. If you are a consumer interested in learning about Secure Horizon Choice, ask your financial professional for more information.

About North American Company for Life and Health Insurance

North American Company for Life and Health Insurance® is a member of Sammons® Financial Group, Inc. Since 1886, North American has established a tradition of providing quality insurance products to consumers throughout the U.S. We offer a comprehensive portfolio of term, universal life, and indexed universal life insurance products. North American also offers a wide variety of traditional fixed and fixed index annuities and consistently ranks among the top fixed index annuity carriers in the U.S. For more information, please visit here.

1Source: 3rd Quarter 2022 Wink’s Sales & Market and LIMRA/Secure Retirement Institute reports

2The Retirement Benefits Rider has an additional cost that is charged as a percentage of the Accumulation Value on each Contract anniversary.

3Source: The 2022 Annual Report of the Board of Trustees of the Federal Old-Age and Survivors Insurance and Federal Disability Insurance Trust Funds.

About Annexus

Annexus designs solutions to help Americans grow and protect their retirement savings. For over a decade, Annexus has developed market-leading fixed index annuities and indexed universal life insurance products. Annexus has forged relationships with many of the industry’s leading insurance carriers and the world’s largest investment banks. Find out more about Annexus and its products at

About PlanGap

Headquartered in Atlanta and founded in 2017, PlanGap is a product innovation company creating a suite of “trigger-based” annuity and life insurance products–retirement insurance–that solve previously unaddressed financial concerns for retirees. PlanGap, through its insurance carrier and distribution partners, empowers people to protect themselves against disruptions to their retirement income, providing solutions for those worried that institutions have made retirement promises they cannot, or will not, keep. Visit for more information.


North American Secure HorizonSM Choice is 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. This product, its features and riders may not be available in all states.

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.

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 optional benefit riders or strategy fees or charges 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 Company for Life and Health Insurance is not affiliated with the Social Security Administration (SSA). North American’s product(s) are not sponsored, endorsed, sold or promoted by the Social Security Administration, and they make no representation regarding the advisability of purchasing of the product.