4-in-1 Retirement
Benefits Rider
Prepare for four major risks in retirement
As retirement approaches, planning is the best way to prepare for common risks in retirement that may derail retirement plans – potential Social Security benefit reductions, health-related events, legacy shortfalls, and longevity. The optional 4-in-1 Retirement Benefits Rider, available at Contract issue for an additional annual charge, can help.1
Helpful resources
Helping you retire with peace of mind
Social Security Benefit reductions
The Social Security Administration has projected benefit reductions which may impact your income and standard of living in retirement. The PlanGap® Benefit can help fill a potential Social Security income gap.2
Health impairment
Health insurance and Medicare may not cover everything. And long-term care options may not be affordable. The Activities of Daily Living (ADL) Benefit provides a payout that can be used for any expense.
Legacy Shortfall
Leaving a legacy to support your family or beneficiaries shows how much you care. The Enhanced Death Benefit can make your wishes a reality by providing an enhanced death benefit.
Longevity
Living longer is a cause for celebration. But outliving retirement savings is also a real concern for many. The Enhanced Payout Benefit is a lifetime payment for later in life, with a guaranteed cash refund of the remaining Accumulation Value.
Explore the growth opportunities available with the Secure Horizon Choice FIA Suite.
1 The Retirement Benefits Rider has an additional cost that is charged as a percentage of the Accumulation Value on each Contract anniversary.
2 The PlanGap® Benefit is known as the Income Gap Benefit in the Contract. PlanGap® is a registered trademark of PlanGap LLC and is used pursuant to a license. The PlanGap® Benefit is not a replacement for Social Security benefits but provides a benefit designed to help mitigate a potential reduction.
Neither North American Company for Life and Health Insurance nor any of its affiliates are affiliated with PlanGap or the Social Security Administration.
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(s).
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 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.
Annexus and their affiliated agencies are independently contracted with North American Company for Life and Health Insurance.
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.
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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