Prepared for:

Personalized Hypothetical Illustration

Owner: Investor Group
North American Issue State: MN
Secure HorizonSM
Issued by North American Company for Life and Health Insurance®

Single Premium Deferred Annuity Agent/Representative:

Qualified Contract VIPUL GOEL
Date Prepared: 02/06/2024

33721Z This is an illustration only, not an offer or contract. It is not intended to predict future This illustration is not valid unless all pages are present.
performance. Benefits are subject to the terms and conditions of the annuity contract. Page 1 of 14
North American Secure HorizonSM
Single Premium Deferred Annuity
Qualified Contract

SURRENDER CHARGES
FOR ILLUSTRATED VALUES, GO TO PAGE 8 A surrender charge is assessed on any amount withdrawn, whether as a partial
or full surrender, that exceeds the penalty-free withdrawal amount. However,
GENERAL PRODUCT TERMS surrender charges on any portion of an Internal Revenue Code Required
Listed below are some basic terms and their definitions. Please refer to the Minimum Distribution (RMD) are waived by current company practice.1
product brochure and disclosure for more information.
Surrender Charge Schedule Years 1 to 10:
PREMIUM 9% - 8.5% - 7.5% - 6.5% - 5.5% - 4.5% - 3.5% - 3% - 2% - 1%
The amount paid into the annuity contract.
PENALTY-FREE WITHDRAWALS
ACCUMULATION VALUE Beginning in the 2nd Contract Year, you may take a penalty-free withdrawal
(also known as a penalty-free partial surrender) without surrender charges or
The sum of premiums paid, and interest credited, if any, less withdrawals.
market value adjustment, of up to 7% of your beginning of year Accumulation
Value. On RMDs exceeding the available penalty-free allowance, surrender
DEATH BENEFIT charges, and market value adjustments will be waived by current company
The Death Benefit is equal to the Accumulation Value plus partial interest practice.1
credits but will never be less than the minimum requirements set forth by state
laws, at the time of issue, in the state where the contract is delivered. The ANNUITY PAYOUT OPTIONS
partial interest credit provides a pro-rata interest credit using the date of death
On your Maturity Date (the contract anniversary when the Annuitant is age
as the term end date to determine the change in the index value. The interest
115), the pay-out options available include: Life options, Joint and Survivor
credit is then multiplied by the number of days since the beginning of the term
options and Period Certain options. An example of a 10 year Period Certain
divided by the number of days in a full index term.
based on Guaranteed Values as shown below.

MARKET VALUE ADJUSTMENT

Accumulation Monthly Monthly Annuity
May be applied during the surrender charge period. See the market value Value at Maturity Factor/$1000 Income
adjustment section at the end of this illustration for more information.
Guaranteed $100,000.00 8.96 $896.00

SURRENDER VALUE 1A feature offered "by current company practice" is not a contractual guarantee of this annuity
contract and can be removed or changed at any time.
The amount that is available at the time of surrender. The surrender value is
equal to the Accumulation Value, subject to the market value adjustment, if any,
less applicable surrender charges, and applicable state premium taxes. The
surrender value will never be less than the minimum requirements set forth by
state laws, at the time of issue, in the state where the contract is delivered or
issued for delivery.

ILLUSTRATION SNAPSHOT
Annuitant (Age): Investor Group (40)
Premium: $100,000.00
Agent Name: VIPUL GOEL
State: MN Illustration Date: 02/06/2024
This illustration is not valid unless all pages are present.
Page 2 of 14

33721Z
North American Secure HorizonSM
Single Premium Deferred Annuity
Qualified Contract

If this method includes a Strategy Charge, the Strategy Charge will be

CREDITING STRATEGIES subtracted from the Accumulation Value allocated to this method on the
Contract Anniversary. The annual Strategy Charge is equal to 0.95% times the
INDEX ACCOUNT Accumulation Value allocated to this method.
Some or all of your premium may be allocated to the Index Account which
offers several different indexes and crediting methods. In exchange for the Strategy Charge, you receive a higher participation rate,
resulting in an increase in the credited interest rate when the underlying index
performance is positive.
FIXED ACCOUNT
Premium allocated to the Fixed Account will earn the current interest rate which If the underlying index performance is zero or negative, the interest credited to
is credited daily. The initial interest rate is guaranteed for the first contract year. your contract will be zero. In years where the interest credit is less than the
For each subsequent contract year we will declare, at our discretion, a rate that Strategy Charge, the Accumulation Value allocated to this option will decrease.
will apply for the following year.
PERFORMANCE STRATEGY LADDER AND PERFORMANCE STRATEGY
CREDITED INTEREST RATE (INTEREST CREDIT) LADDER WITH STRATEGY CHARGE
The rate of interest credited from the Fixed Account and Index Account(s) to This method allocates your premium equally across five index account
the Accumulation Value. Strategies with unique term lengths. This combination of term lengths is
designed to take advantage of higher participation rates generally associated
NET ANNUAL EFFECTIVE RATE with longer terms. Because at least one Strategy’s term will end each contract
year, the Performance Strategy Ladder also provides annual crediting
The net annual effective rate is equal to the annual effective rate over the
opportunities that enable potential gains to be locked in.
period considering all interest credits, Strategy Charges and Rider Charges, if
applicable.
At the end of each Strategy’s term length, the Accumulation Value allocated to
that Strategy may receive interest credits and will automatically transfer to a
NET TERM CREDITED RATE new Strategy with a new term length and participation rates that will be
The net term credited rate reflects credited interest earned on the term end declared at that time.
date less any Strategy Charge for that year that were not previously accounted
for in prior net term credited rates. Each index account option within the Performance Strategy Ladder measures
index growth using two points in time; the beginning index value and the ending
index value at the end of the applicable term. Index-linked gains are calculated
TERM POINT-TO-POINT WITH PARTICIPATION RATE AND TERM POINT- based on growth between these two values multiplied by a participation rate.
TO-POINT WITH PARTICIPATION RATE WITH STRATEGY CHARGE The interest credit is credited at the end of the term and will never be less than
This method is offered using an annual point-to-point and a two year point-to- zero.
point. This method measures index growth using two points in time: the
beginning index value and the index value at the end of the term. Interest If this method includes a Strategy Charge, the Strategy Charge will be
credits are calculated based on the growth between these two values multiplied subtracted from the Accumulation Value allocated to this method on the
by a participation rate. The interest credit will never be less than zero. At the Contract Anniversary. The annual Strategy Charge is equal to 0.95% times the
end of each term we will declare new participation rates at least as high as the Accumulation Value allocated to this method.
guarantees listed in your contract.

ILLUSTRATION SNAPSHOT
Annuitant (Age): Investor Group (40)
Premium: $100,000.00
Agent Name: VIPUL GOEL
State: MN Illustration Date: 02/06/2024
This illustration is not valid unless all pages are present.
Page 3 of 14

33721Z
North American Secure HorizonSM
Single Premium Deferred Annuity
Qualified Contract

In exchange for the Strategy Charge, you receive a higher participation rate,
resulting in an increase in the credited interest rate when the underlying index ACCUMULATION VALUE TRUE-UP
performance is positive. Your Contract automatically includes an Accumulation Value True-Up benefit
(AV TrueUp). The AV TrueUp is determined and applied only once, at the end
If the underlying index performance is zero or negative, the interest credited to of the surrender charge period. At this time, if the total interest credited to your
your contract will be zero. In years where the interest credit is less than the Contract since the date of issue across all accounts (fixed and indexed) is less
Strategy Charge, the Accumulation Value allocated to this option will decrease. than the total Strategy Charges assessed during this timeframe, you will
receive the one-time AV TrueUp. The AV TrueUp amount is the excess of the
The Performance Strategy Ladder is only available for allocation on the total Strategy Charges over the total interest credited. The AV TrueUp is added
contract issue date. After the contract issue date, you will not have discretion to to the index accounts and fixed account based on the percentage of your
choose how funds are allocated within the Performance Strategy Ladder. accumulation value in each account. The AV TrueUp does not apply if you have
taken a surrender that exceeds your penalty-free amount during the surrender
On a term end date you may transfer funds to other available options outside charge period.
the Performance Strategy Ladder. The following exhibit demonstrates the
automatic transfers during the 10-year Performance Strategy Ladder. These
automatic transfers are defined in the Scheduled Transfers Endorsement of PROJECTED ILLUSTRATED VALUES
your Contract.
This illustration assumes the index will repeat historical performance and that
the annuity’s current non-guaranteed elements, such as Participation Rates,
Initial Premium Allocation
will not change. It is likely that the index will not repeat historical performance,
20% 20% 20% 20% 20% the non-guaranteed elements will change, and actual values will be higher or
Year 1 1-Year lower than those in this illustration but will not be less than the minimum
2-Year guarantees. The values in this illustration are not guarantees or even estimates
Year 2 3-Year
4-Year of the amounts you can expect from your annuity. Please review the disclosure
Year 3 5-Year document provided with your illustration and Buyer’s Guide for more detailed
Year 4 5-Year information. All rates are effective as of the date of this illustration and are
subject to change at any time.
Year 5 5-Year
Year 6 5-Year
Year 7 5-Year
Year 8 5-Year
4-Year
Year 9 3-Year
2-Year
Year 10 1-Year

ILLUSTRATION SNAPSHOT
Annuitant (Age): Investor Group (40)
Premium: $100,000.00
Agent Name: VIPUL GOEL
State: MN Illustration Date: 02/06/2024
This illustration is not valid unless all pages are present.
Page 4 of 14

33721Z
North American Secure HorizonSM
Single Premium Deferred Annuity
Qualified Contract

ENHANCED GROWTH OPPORTUNITY

This method allocates your premium equally across five index account Strategies with unique term lengths. This combination of term lengths is designed to take advantage of higher
participation rates generally associated with longer terms. Because at least one Strategy’s term will end each contract year, the Performance Strategy Ladder also provides annual
crediting opportunities that enable potential gains to be locked in.

At the end of each Strategy’s term length, the Accumulation Value allocated to that Strategy may receive interest credits and will automatically transfer or allocate to a new Strategy
with a new term length and participation rates that will be declared at that time. At the end of the 10-year Ladder Period, the Accumulation Value will automatically transfer to a 2-year
term. These automatic transfers are defined in the Scheduled Transfers Endorsement of your Contract. The chart below illustrates the amount of initial premium allocated to each
Strategy term length during the ladder period.

Performance Strategy Ladder Allocation of Initial Premium by Year

2
This exhibit reflects the percentage of your initial premium allocated to Strategies with the shown term lengths in The initial 20% premium allocation to the 2-year term will automatically transfer to a new 5-year term at the end
any given year of the ladder period. Participation rates for all Strategies are declared at the beginning of its term. of the second contract year. At the end of the seventh contract year, the accumulation value associated with this
Any Strategy at the end of its term can be transferred or allocated to any available options by providing notice. allocation will automatically transfer to a new 3-year term.
1 3
The initial 20% premium allocation to the 1-year term will automatically transfer to a new 5-year term at the end The initial 20% premium allocation to the 3-year term will automatically transfer to a new 5-year term at the end
of the first contract year. At the end of the sixth contract year, the accumulation value associated with this of the third contract year. At the end of the eighth contract year, the accumulation value associated with this
allocation will automatically transfer to a new 4-year term. allocation will automatically transfer to a new 2-year term.
4
The initial 20% premium allocation to the 4-year term will automatically transfer to a new 5-year term at the end
of the fourth contract year. At the end of the ninth contract year, the accumulation value associated with this
ILLUSTRATION SNAPSHOT allocation will automatically transfer to a new 1-year term.
5
Annuitant (Age): Investor Group (40) The initial 20% premium allocation to the 5-year term will automatically transfer to a new 5-year term at the end
Premium: $100,000.00 of the fifth contract year.
Agent Name: VIPUL GOEL
State: MN Illustration Date: 02/06/2024
This illustration is not valid unless all pages are present.
Page 5 of 14

33721Z
North American Secure HorizonSM
Single Premium Deferred Annuity
Qualified Contract

ALLOCATION SELECTION INFORMATION The table shows values for the most recent, most favorable and least favorable ten-year period of historical index returns
out of the last twenty years. These periods are determined based on index returns before any application of Index
Strategy rates.
ALLOCATION PERCENTAGE TERM PARTICIPATION RATE STRATEGY CHARGE MOST RECENT HIGHEST1 LOWEST1
Performance Strategy Ladder
1 Year 170%
2 Year 235%
S&P PRISM Index 100% 3 Year 270% N/A 14.99% 16.77% 10.83%
4 Year 295%
5 Year 320%

ILLUSTRATION SNAPSHOT The annual effective rates shown are net of total charges shown and reflect no withdrawals, 100% allocated to the
Annuitant (Age): Investor Group (40) indicated strategy and application of the current Index Strategy participation rate(s) to historical index returns.
Premium: $100,000.00 1
See following page for highest and lowest index growth period
Agent Name: VIPUL GOEL
State: MN Illustration Date: 02/06/2024
This illustration is not valid unless all pages are present.
Page 6 of 14

33721Z
North American Secure HorizonSM
Single Premium Deferred Annuity
Qualified Contract

NON-GUARANTEED ANNUITY CONTRACT VALUES Annual Effective Rate Most Recent: 14.99%+
INDEX GROWTH PERIOD COMPARISON - MOST RECENT, HIGH, LOW
This chart illustrates values for the most recent, most favorable and least favorable ten year period of historical index
returns out of the last twenty years; these periods are determined based on index returns before any application of Annual Effective Rate Highest: 16.77%+
Index Strategy rates.
The values and annual effective rates shown reflect selected withdrawals, initial allocations, and application of current
Index Strategy Rates to historical index returns. The annual effective rates shown here and on the following pages reflect Annual Effective Rate Lowest: 10.83%+
an average over the 10-year period. Interest credits in individual Contract Years will vary and are dependent not only on
market performance but also the length of the crediting term and the amount of money that is receiving a credit. The
Accumulation Value reflects current Rider Charges. Please refer to page 8 for Guaranteed Annuity
Contract Values.

MOST RECENT HIGHEST LOWEST

Credited Credited Credited
Contract Accumulation Accumulation Accumulation
Interest Interest Interest
Year Value Value Value
Rate Rate Rate
At Issue $100,000 $100,000 $100,000
1 3.73% $103,730 2.88% $102,878 1.76% $101,764
2 8.14% $112,178 9.30% $112,450 5.11% $106,966
3 9.49% $122,822 13.43% $127,548 2.27% $109,392
4 13.48% $139,376 13.81% $145,158 3.81% $113,556
5 18.58% $165,276 17.15% $170,052 7.95% $122,588
6 11.49% $184,262 17.42% $199,679 11.43% $136,602
7 14.29% $210,588 11.85% $223,340 8.42% $148,104
8 15.92% $244,103 14.54% $255,819 12.78% $167,036
9 18.31% $288,809 16.08% $296,953 13.83% $190,139
10 39.96% $404,217 58.76% $471,456 47.12% $279,726

Annual Effective Rate 10 Years: 14.99% Annual Effective Rate 10 Years: 16.77% Annual Effective Rate 10 Years: 10.83%

Index Highest Index Growth Period Lowest Index Growth Period

S&P PRISM 12/31/2011 to 12/31/2021 12/31/2002 to 12/31/2012

ILLUSTRATION SNAPSHOT
Annuitant (Age): Investor Group (40)
Premium: $100,000.00 + Annual Effective Rate over ten years.
Agent Name: VIPUL GOEL
State: MN Illustration Date: 02/06/2024
This illustration is not valid unless all pages are present.
Page 7 of 14

33721Z
 North American Secure HorizonSM
Single Premium Deferred Annuity
Qualified Contract

GUARANTEED ANNUITY CONTRACT VALUES 10 Years 20 Years

Annual Effective Rate 0.00% 0.00%
This chart illustrates total contract values based on 0% growth, selected withdrawals, and the initial allocation.
Annual
End of Annuitant Accumulation Minimum Guaranteed Death
Withdrawals 1
Year Start Age/End Age Value Surrender Value Benefit 2
(Beginning of Year)
At Issue 40 $100,000
1 40 / 41 $100,000 $0 $90,125 $100,000
2 41 / 42 $100,000 $0 $92,829 $100,000
3 42 / 43 $100,000 $0 $95,614 $100,000
4 43 / 44 $100,000 $0 $98,482 $100,000
5 44 / 45 $100,000 $0 $101,436 $100,000
6 45 / 46 $100,000 $0 $104,480 $100,000
7 46 / 47 $100,000 $0 $107,614 $100,000
8 47 / 48 $100,000 $0 $110,842 $100,000
9 48 / 49 $100,000 $0 $114,168 $100,000
10 49 / 50 $100,000 $0 $117,593 $100,000
11 50 / 51 $100,000 $0 $121,120 $100,000
12 51 / 52 $100,000 $0 $124,754 $100,000
13 52 / 53 $100,000 $0 $128,497 $100,000
14 53 / 54 $100,000 $0 $132,352 $100,000
15 54 / 55 $100,000 $0 $136,322 $100,000
16 55 / 56 $100,000 $0 $140,412 $100,000
17 56 / 57 $100,000 $0 $144,624 $100,000
18 57 / 58 $100,000 $0 $148,963 $100,000
19 58 / 59 $100,000 $0 $153,432 $100,000
20 59 / 60 $100,000 $0 $158,035 $100,000
30 69 / 70 $100,000 $0 $212,385 $100,000
75 114 / 115 $100,000 $0 $803,156 $100,000
First 30 Yrs: $0
Cumulative: $0

1
Subject to any applicable penalty-free withdrawal provisions.
2
Reflects partial interest credits

ILLUSTRATION SNAPSHOT
Annuitant (Age): Investor Group (40)
Premium: $100,000.00
Agent Name: VIPUL GOEL
State: MN Illustration Date: 02/06/2024
This illustration is not valid unless all pages are present.
Page 8 of 14

33721Z
 North American Secure HorizonSM
Single Premium Deferred Annuity
Qualified Contract

NON-GUARANTEED ANNUITY CONTRACT VALUES 10 Years 20 Years

MOST RECENT PERIOD from 12/31/2012 to 12/31/2022 Annual Effective Rate 14.99% 14.16%
This chart illustrates values for allocations to the Performance Strategy Ladder based on the ten most recent years of historical index Net Annual Effective Rate 14.99% 14.16%
performance, selected withdrawals, the initial allocation, and current rates.
Annual
End of Annuitant Net Term Accumulation Surrender Death
Withdrawals 1
Year Start Age/End Age Credited Rate Value Value 2 Benefit 3
(Beginning of Year)
At Issue 40 $100,000
1 40 / 41 3.73% $103,730 $0 $95,048 $111,306
2 41 / 42 8.14% $112,178 $0 $103,310 $129,511

Performance Strategy
3 42 / 43 9.49% $122,822 $0 $114,255 $141,773
4 43 / 44 13.48% $139,376 $0 $130,951 $165,236

Ladder
5 44 / 45 18.58% $165,276 $0 $156,822 $200,903
6 45 / 46 11.49% $184,262 $0 $176,551 $210,310
7 46 / 47 14.29% $210,588 $0 $203,734 $252,871
8 47 / 48 15.92% $244,103 $0 $237,293 $293,264
9 48 / 49 18.31% $288,809 $0 $283,437 $369,277
10 49 / 50 39.96% $404,217 $0 $404,217 $404,217
11 50 / 51 0.00% $404,217 $0 $404,217 $456,321
12 51 / 52 42.24% $574,958 $0 $574,958 $574,958
2 year Point-to-Point

13 52 / 53 0.00% $574,958 $0 $574,958 $584,905

14 53 / 54 20.09% $690,468 $0 $690,468 $690,468
15 54 / 55 0.00% $690,468 $0 $690,468 $769,112
16 55 / 56 19.57% $825,592 $0 $825,592 $825,592
17 56 / 57 0.00% $825,592 $0 $825,592 $919,049
18 57 / 58 37.11% $1,131,969 $0 $1,131,969 $1,131,969
19 58 / 59 0.00% $1,131,969 $0 $1,131,969 $1,267,579
20 59 / 60 24.85% $1,413,264 $0 $1,413,264 $1,413,264
30 69 / 70 24.85 % $4,941,191 $0 $4,941,191 $4,941,191
75 114 / 115 0.00 % $1,261,229,805 $0 $1,261,229,805 $1,404,883,880
First 30 Yrs: $0
Cumulative: $0

1
Subject to any applicable penalty-free withdrawal provisions.
2
Does not reflect any applicable Market Value Adjustment (MVA). See page 12 for more information.
3
Reflects partial interest credits
ILLUSTRATION SNAPSHOT
Annuitant (Age): Investor Group (40)
Premium: $100,000.00
Agent Name: VIPUL GOEL
State: MN Illustration Date: 02/06/2024
This illustration is not valid unless all pages are present.
Page 9 of 14

33721Z
 North American Secure HorizonSM
Single Premium Deferred Annuity
Qualified Contract

ADDITIONAL SUPPLEMENTAL ILLUSTRATION 10 Years 20 Years

FIXED 5.00% RETURN Annual Effective Rate 5.00% 5.00%
This chart illustrates values assuming a 5.00% credited interest rate regardless of allocation and selected withdrawals. Please refer to Net Annual Effective Rate 5.00% 5.00%
page 8 for Guaranteed Annuity Contract Values.
Annual
End of Annuitant Net Term Accumulation Surrender Death
Withdrawals 1
Year Start Age/End Age Credited Rate Value Value 2 Benefit 3
(Beginning of Year)
At Issue 40 $100,000
1 40 / 41 5.00% $105,000 $0 $96,212 $105,000
2 41 / 42 5.00% $110,250 $0 $101,535 $110,250
3 42 / 43 5.00% $115,763 $0 $107,688 $115,763
4 43 / 44 5.00% $121,551 $0 $114,203 $121,551
5 44 / 45 5.00% $127,628 $0 $121,100 $127,628
6 45 / 46 5.00% $134,010 $0 $128,401 $134,010
7 46 / 47 5.00% $140,710 $0 $136,130 $140,710
8 47 / 48 5.00% $147,746 $0 $143,623 $147,746
9 48 / 49 5.00% $155,133 $0 $152,247 $155,133
10 49 / 50 5.00% $162,889 $0 $162,889 $162,889
11 50 / 51 5.00% $171,034 $0 $171,034 $171,034
12 51 / 52 5.00% $179,586 $0 $179,586 $179,586
13 52 / 53 5.00% $188,565 $0 $188,565 $188,565
14 53 / 54 5.00% $197,993 $0 $197,993 $197,993
15 54 / 55 5.00% $207,893 $0 $207,893 $207,893
16 55 / 56 5.00% $218,287 $0 $218,287 $218,287
17 56 / 57 5.00% $229,202 $0 $229,202 $229,202
18 57 / 58 5.00% $240,662 $0 $240,662 $240,662
19 58 / 59 5.00% $252,695 $0 $252,695 $252,695
20 59 / 60 5.00% $265,330 $0 $265,330 $265,330
30 69 / 70 5.00 % $432,194 $0 $432,194 $432,194
75 114 / 115 5.00 % $3,883,269 $0 $3,883,269 $3,883,269
First 30 Yrs: $0
Cumulative: $0

1
Subject to any applicable penalty-free withdrawal provisions.
2
Does not reflect any applicable Market Value Adjustment (MVA). See page 12 for more information.
3
Reflects partial interest credits
ILLUSTRATION SNAPSHOT
Annuitant (Age): Investor Group (40)
Premium: $100,000.00
Agent Name: VIPUL GOEL
State: MN Illustration Date: 02/06/2024
This illustration is not valid unless all pages are present.
Page 10 of 14

33721Z
North American Secure HorizonSM
Single Premium Deferred Annuity
Qualified Contract

Projected Accumulation Value Based on Current Rates Over a 10 year Period

This graph shows the projected Accumulation Values based on historical index performance determined by the three historical indexing periods, the initial allocation,
withdrawal selections and current rates shown on page 6 of the illustration. Please refer to page 8 for Guaranteed Annuity Contract Values.

ILLUSTRATION SNAPSHOT
Annuitant (Age): Investor Group (40)
Premium: $100,000.00
Agent Name: VIPUL GOEL
State: MN Illustration Date: 02/06/2024
This illustration is not valid unless all pages are present.
Page 11 of 14

33721Z
North American Secure HorizonSM
Single Premium Deferred Annuity
Qualified Contract

A market value adjustment is applied only during the surrender charge period to
MARKET VALUE ADJUSTMENT (MVA) full surrenders and any partial surrenders in excess of the Penalty-free Partial
When you make a withdrawal, the amount you receive may be increased or Surrender Allowance. Changes in the Accumulation Value due to market value
decreased by a market value adjustment, depending on the change in interest adjustment are not quoted in this illustration.
rates since your annuity purchase. If interest rates on which the MVA is based go
up after you buy your annuity, the MVA will likely decrease the amount you
receive. If interest rates go down, the MVA will likely increase the amount you The graph below shows the projected surrender value under sample MVA
receive. After the MVA is applied, the surrender value will never be less than the scenarios as described below during the surrender charge period of the Contract
Minimum Guaranteed Surrender Value or greater than the Accumulation Value. based on the initial premium amount and the assumption that there are no partial
surrenders.

Hypothetical Surrender Values Reflecting MVA

ILLUSTRATION SNAPSHOT
Annuitant (Age): Investor Group (40)
Premium: $100,000.00
Agent Name: VIPUL GOEL
State: MN Illustration Date: 02/06/2024
This illustration is not valid unless all pages are present.
Page 12 of 14

33721Z
North American Secure HorizonSM
Single Premium Deferred Annuity
Qualified Contract

Fixed index annuities are not a direct investment in the stock market. They are long term insurance The Loomis Sayles Managed Futures index is managed to a volatility target, and as a result the
products with guarantees backed by the issuing company. They provide the potential for interest to index performance will not match the performance of any other index or the markets in general
be credited based in part on the performance of specific indices, without the risk of loss of premium since volatility control tends to reduce both the rate of negative performance and positive
due to market downturns or fluctuation. Although fixed index annuities guarantee no loss of performance of the underlying index, thereby creating more stabilized performance. The Loomis
premium due to market downturns, deductions from your accumulation value for additional optional Sayles Managed Futures has been in existence since 8/30/2021.
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 GOLDMAN SACHS, ITS THIRD PARTY DATA PROVIDERS AND LOOMIS SAYLES MAKE NO
may not be appropriate for all clients. Interest credits to a fixed index annuity will not mirror the REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, REGARDING THE
actual performance of the relevant index. ADVISABILITY OF INVESTING IN ANNUITIES GENERALLY OR IN FIXED INDEXED ANNUITIES
OR THE INVESTMENT STRATEGY UNDERLYING THE COMPANY’S ANNUITY PRODUCT,
The North American Secure HorizonSM is issued on base contract form NA1015A/ICC21-NA1015A PARTICULARLY, THE ABILITY OF THE INDEX TO PERFORM AS INTENDED, THE MERIT (IF
or appropriate state variation including all applicable endorsements and riders by North American ANY) OF OBTAINING EXPOSURE TO THE INDEX OR THE SUITABILITY OF PURCHASING OR
Company for Life and Health Insurance®, West Des Moines, IA. This product, its features and riders HOLDING INTERESTS IN THE ANNUITY PRODUCT. GOLDMAN SACHS AND ITS THIRD
may not be available in all states. PARTY DATA PROVIDERS DO NOT HAVE ANY OBLIGATION TO TAKE THE NEEDS OF THE
HOLDERS OF THE ANNUITY PRODUCT INTO CONSIDERATION IN ADMINISTERING OR
Withdrawals taken prior to age 59 ½ may be subject to IRS penalties. CALCULATING THE INDEX. LOOMIS SAYLES DOES NOT HAVE ANY OBLIGATIONS TO TAKE
THE NEEDS OF THE HOLDERS OF THE ANNUITY PRODUCT INTO CONSIDERATION IN
Premium taxes: Accumulation Value will be reduced for premium taxes as required by the state of DETERMINING OR DESIGNING THE METHODOLOGY USED TO ADMINISTER THE INDEX.
residence. These taxes are not reflected in the illustrated values. GOLDMAN SACHS AND LOOMIS SAYLES DO NOT GUARANTEE THE ADEQUACY,
TIMELINESS, ACCURACY AND/ OR COMPLETENESS OF THE INDEX OR OF THE
A surrender during the surrender charge period could result in a loss of premium. Surrender charge
METHODOLOGY UNDERLYING THE INDEX, THE CALCULATION OF THE INDEX OR ANY
structure may vary by state.
DATA SUPPLIED BY IT FOR USE IN CONNECTION WITH THE ANNUITY PRODUCT.
Based on the current interpretation of the Model Regulation adopted by AL, AZ, CO, IA, MD, ME, GOLDMAN SACHS AND LOOMIS SAYLES HEREBY EXPRESSLY DISCLAIM ALL LIABILITY
MO, NH, OH, RI and WV, North American is not illustrating the Loomis Sayles Managed Futures in FOR DETERMINING, COMPOSING OR ANY OTHER ASPECTS OF THE DESIGN OF THE
these states. This illustration may not be used in those states. INDEX AND ANY RELATED INTELLECTUAL PROPERTY. GOLDMAN SACHS AND LOOMIS
SAYLES HEREBY EXPRESSLY DISCLAIM ALL LIABILITY FOR ANY ERRORS, OMISSIONS, OR
Based on the current interpretation of the Model Regulation adopted by IA, North American is not INTERRUPTIONS THEREIN OR IN THE CALCULATION THEREOF. GOLDMAN SACHS AND
illustrating the Research Affiliates Global Multi-Asset Index and S&P PRISM Index in this state. This LOOMIS SAYLES EXPRESSLY DISCLAIM ALL LIABILITY FOR ANY SPECIAL, PUNITIVE,
illustration may not be used in this state. INDIRECT OR CONSEQUENTIAL DAMAGE EVEN IF NOTIFIED OF THE POSSIBILITY OF
SUCH DAMAGES.
The North American Company for Life and Health Insurance® fixed indexed annuity product
(“Annuity Product”) is not sponsored, endorsed, sold, guaranteed, underwritten, distributed or THIRD PARTY DATA IS USED UNDER LICENSE AS A SOURCE OF INFORMATION FOR THE
promoted by Goldman Sachs & Co. or any of its affiliates (including Goldman Sachs Asset INDEX. THIRD PARTY PROVIDER HAS NO OTHER CONNECTION TO THE INDEX OR
Management, L.P.), with the exception of any endorsement, sales, distribution or promotion of this GOLDMAN SACHS SERVICES AND DOES NOT SPONSOR, ENDORSE, RECOMMEND OR
product that may occur through its affiliates that are licensed insurance agencies (excluding such PROMOTE THE INDEX OR ANY GOLDMAN SACHS SERVICES. THIRD PARTY PROVIDER
affiliates, individually and collectively, “Goldman Sachs”) or its third party data providers or Loomis, HAS NO OBLIGATION OR LIABILITY IN CONNECTION WITH THE INDEX OR GOLDMAN
Sayles & Company, L.P. (together with its subsidiaries and affiliates, “Loomis Sayles”). Goldman SACHS SERVICES. THIRD PARTY PROVIDER DOES NOT GUARANTEE THE ACCURACY
Sachs is a trademark of Goldman Sachs and has been licensed for use by North American AND/OR THE COMPLETENESS OF ANY MARKET DATA LICENSED TO GOLDMAN SACHS
Company for Life and Health Insurance® (“the Company”). Loomis Sayles is a trademark of Loomis AND SHALL NOT HAVE ANY LIABILITY FOR ANY ERRORS, OMISSIONS, OR
Sayles and has been licensed for use by Goldman Sachs. Goldman Sachs is the administrator and INTERRUPTIONS THEREIN. THERE ARE NO THIRD-PARTY BENEFICIARIES OF ANY
calculation agent for the Loomis Sayles Managed Futures Index (the “Index”). While Goldman AGREEMENTS OR ARRANGEMENTS BETWEEN THIRD PARTY PROVIDER AND GOLDMAN
Sachs may sponsor one or more of the strategies used in the calculation of the Index, Goldman SACHS.
Sachs was not involved in designing or determining the methodology or other intellectual property
used to administer the Index. Loomis Sayles determined and designed the methodology, and is the The Research Affiliates® Global Multi-Asset Index (the "Index") is a service mark of RAFI LLC or its
owner of the intellectual property therein, which is licensed to Goldman Sachs for use in affiliates (collectively, "RAFI") and has been licensed for certain use by North American Company
administering and calculating the Index. for Life and Health Insurance® ("the Company"). The intellectual and other property rights to the
Index are owned by or licensed to RAFI. This annuity (the "Product") is not sponsored, endorsed,
sold or promoted by RAFI or any of its third-party service providers or suppliers including data
licensors and index calculators ("RAFI and its suppliers").
ILLUSTRATION SNAPSHOT
Annuitant (Age): Investor Group (40)
Premium: $100,000.00
Agent Name: VIPUL GOEL
State: MN Illustration Date: 02/06/2024
This illustration is not valid unless all pages are present.
Page 13 of 14

33721Z
North American Secure HorizonSM
Single Premium Deferred Annuity
Qualified Contract

S&P DOW JONES INDICES DOES NOT GUARANTEE THE ADEQUACY, ACCURACY,
Past performance of an index is not an indicator of or a guarantee of future results. The Index and TIMELINESS AND/OR THE COMPLETENESS OF THE INDICES OR ANY DATA RELATED
included data are provided "as is". RAFI and its suppliers have no obligation or liability to the THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR
owners of the Product and any decision to purchase or invest in the Product is at your own risk. WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH
RAFI and its suppliers disclaim all warranties and representations, including any warranties of RESPECT THERETO. S&P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY
merchantability or fitness for a particular purpose or use, with respect to the Index or any included DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&P DOW
data. In no event will RAFI or its suppliers be liable for any damages, including direct, indirect, JONES INDICES MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY
special, punitive and consequential damages (including lost profits), even if notified of the possibility DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR
of such damages. PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY THE COMPANY, OWNERS OF
THE COMPANY’S PRODUCTS, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF
The "S&P 500® Low Volatility Daily Risk Control 5% Index" and "S&P PRISM Index" are products of THE INDICES OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING
S&P Dow Jones Indices LLC or its affiliates ("SPDJI") and have been licensed for use by North ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES
American Company for Life and Health Insurance® ("the Company"). S&P®, S&P 500®, US 500, BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL
The 500, iBoxx®, iTraxx® and CDX® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST
Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC ("Dow Jones"). It is TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH
not possible to invest directly in an index. The Company’s Products are not sponsored, endorsed, DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. S&P DOW
sold or promoted by SPDJI, Dow Jones, S&P, any of their respective affiliates (collectively, "S&P JONES INDICES HAS NOT REVIEWED, PREPARED AND/OR CERTIFIED ANY PORTION OF,
Dow Jones Indices"). S&P Dow Jones Indices does not make any representation or warranty, NOR DOES S&P DOW JONES INDICES HAVE ANY CONTROL OVER, THE COMPANY’S
express or implied, to the owners of the Company’s Products or any member of the public PRODUCTS REGISTRATION STATEMENT, PROSPECTUS OR OTHER OFFERING
regarding the advisability of investing in securities generally or in the Company’s Products MATERIALS. THERE ARE NO THIRDPARTY BENEFICIARIES OF ANY AGREEMENTS OR
particularly or the ability of the Indices to track general market performance. Past performance of an ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND THE COMPANY, OTHER THAN
index is not an indication or guarantee of future results. S&P Dow Jones Indices’ only relationship THE LICENSORS OF S&P DOW JONES INDICES.
to the Company with respect to the Indices is the licensing of the Index and certain trademarks,
service marks and/or trade names of S&P Dow Jones Indices and/or its licensors. The Indices are Sammons Financial® is the marketing name for Sammons® Financial Group, Inc.’s member
determined, composed and calculated by S&P Dow Jones Indices without regard to the Company companies, including North American Company for Life and Health Insurance®. Annuities and life
or the Company’s Products. S&P Dow Jones Indices has no obligation to take the needs of the insurance are issued by, and product guarantees are solely the responsibility of, North American
Company or the owners of the Company’s Products into consideration in determining, composing Company for Life and Health Insurance®.
or calculating the Indices. S&P Dow Jones Indices has no obligation or liability in connection with
the administration, marketing or trading of the Company’s Products. There is no assurance that This is the last page of the illustration.
investment products based on the Indices will accurately track index performance or
provide positive investment returns. S&P Dow Jones Indices LLC is not an investment
adviser, commodity trading advisory, commodity pool operator, broker dealer, fiduciary,
"promoter" (as defined in the Investment Company Act of 1940, as amended), "expert" as
enumerated within 15 U.S.C. § 77k(a) or tax advisor. Inclusion of a security, commodity,
crypto currency or other asset within an index is not a recommendation by S&P Dow Jones
Indices to buy, sell, or hold such security, commodity, crypto currency or other asset, nor is
it considered to be investment advice or commodity trading advice.

ILLUSTRATION SNAPSHOT
Annuitant (Age): Investor Group (40)
Premium: $100,000.00
Agent Name: VIPUL GOEL
State: MN Illustration Date: 02/06/2024
This illustration is not valid unless all pages are present.
Page 14 of 14

33721Z
 Rates effective as of: 2/6/2024
Must be accompanied by the disclosure
statement and North American Secure
Horizon product brochure.
SM

North American Secure Horizon fixed SM

index annuity
Issued by North American Company for Life and Health Insurance®
With North American Secure HorizonSM, you may allocate your premium among the available options below, which each offer an
opportunity to earn interest based on one or more indices or crediting methods. Participation rates shown below are guaranteed
for the initial term and subject to change at the beginning of each new term unless otherwise noted. Charges shown below are
guaranteed for the life of the contract and will not increase.
Strategy term Initial Annual strategy Most recent3 Highest3 Lowest3
participation rate1 charge2
Annual Point-to-Point
Loomis Sayles Managed Futures 1 Year 245% 0.95% 13.16% 17.17% 13.16%
Index with Strategy Charge
Loomis Sayles Managed Futures 1 Year 205% N/A 12.00% 15.36% 12.00%
Index
Research Affiliates® Global Multi- 1 Year 220% 0.95% 9.67% 16.65% 9.67%
Asset Index with Strategy Charge
Research Affiliates® Global Multi- 1 Year 185% N/A 9.06% 14.97% 9.06%
Asset Index
S&P 500 Low Volatility 5% ER 1 Year 210% 0.95% 9.28% 10.23% 7.06%
Index with Strategy Charge
S&P 500 Low Volatility 5% ER 1 Year 175% N/A 8.66% 9.46% 6.77%
Index
S&P PRISM Index with Strategy 1 Year 200% 0.95% 10.89% 12.56% 8.54%
Charge
S&P PRISM Index 1 Year 170% N/A 10.19% 11.62% 8.16%

Initial Annual strategy

Strategy term participation Most recent3 Highest3 Lowest3
rate1 charge2
Two Year Point-to-Point
Loomis Sayles Managed Futures 2 Year 350% 0.95% 16.71% 22.12% 16.71%
Index with Strategy Charge
Loomis Sayles Managed Futures 2 Year 295% N/A 15.24% 19.84% 15.24%
Index
Research Affiliates® Global Multi- 2 Year 305% 0.95% 10.80% 22.14% 10.80%
Asset Index with Strategy Charge
Research Affiliates® Global Multi- 2 Year 260% N/A 10.18% 19.99% 10.18%
Asset Index
S&P 500 Low Volatility 5% ER 2 Year 290% 0.95% 10.95% 13.22% 9.45%
Index with Strategy Charge
S&P 500 Low Volatility 5% ER 2 Year 245% N/A 10.19% 12.13% 8.93%
Index
1
Participation rates are the percentage of index performance you will receive if the index value increases during the term. If the underlying
performance of an index is zero or negative, the interest credited to your contract will be zero.
2
The strategy charge is known as a strategy charge annual percentage in the contract. The strategy charge amount is determined by the
strategy charge for the applicable index account value multiplied by the index account value and is deducted on each contract anniversary from
your index account value. This may result in an overall reduction of the accumulation value if the interest credit is less than the strategy charge.
3
Most Recent based on time period from 12/31/2012 to 12/31/2022 for all indices. Highest index growth period of 12/31/2004 to 12/31/2014 for
Research Affiliates Global Multi-Asset Index, 12/31/2011 to 12/31/2021 for S&P PRISM, 12/31/2010 to 12/31/2020 for Loomis Sayles Managed
Futures Index and 12/31/2011 to 12/31/2021 for S&P 500 Low Volatility 5% ER Index. Lowest index growth period of 12/31/2012 to 12/31/2022
for Research Affiliates Global Multi-Asset Index, 12/31/2002 to 12/31/2012 for S&P PRISM, 12/31/2012 to 12/31/2022 for Loomis Sayles
Managed Futures Index and 12/31/2006 to 12/31/2016 for S&P 500 Low Volatility 5% ER Index.

33719Z PRT 9-21 Page 1 of 6

 Rates effective as of: 2/6/2024
Must be accompanied by the disclosure
statement and North American Secure
Horizon product brochure.
SM

S&P PRISM Index with Strategy 2 Year 275% 0.95% 14.47% 16.47% 10.84%
Charge
S&P PRISM Index 2 Year 235% N/A 13.33% 15.10% 10.22%
The Most Recent, Highest and Lowest rates use backcasting to show how the Strategy Options would have performed over 10-year periods
out of the available live and back-tested historical index performance. These hypothetical examples are for informational purposes only and
are not intended to predict future performance. The product returns assume that the initial participation rates were held constant for the entire
period. Past performance is not indicative of nor does it guarantee future performance. It is likely that your results would be different based on
future index performance and the declared participation rates, which may be higher or lower than at contract issue.

1
Participation rates are the percentage of index performance you will receive if the index value increases during the term. If the underlying
performance of an index is zero or negative, the interest credited to your contract will be zero.
2
The strategy charge is known as a strategy charge annual percentage in the contract. The strategy charge amount is determined by the
strategy charge for the applicable index account value multiplied by the index account value and is deducted on each contract anniversary from
your index account value. This may result in an overall reduction of the accumulation value if the interest credit is less than the strategy charge.
3
Most Recent based on time period from 12/31/2012 to 12/31/2022 for all indices. Highest index growth period of 12/31/2004 to 12/31/2014 for
Research Affiliates Global Multi-Asset Index, 12/31/2011 to 12/31/2021 for S&P PRISM, 12/31/2010 to 12/31/2020 for Loomis Sayles Managed
Futures Index and 12/31/2011 to 12/31/2021 for S&P 500 Low Volatility 5% ER Index. Lowest index growth period of 12/31/2012 to 12/31/2022
for Research Affiliates Global Multi-Asset Index, 12/31/2002 to 12/31/2012 for S&P PRISM, 12/31/2012 to 12/31/2022 for Loomis Sayles
Managed Futures Index and 12/31/2006 to 12/31/2016 for S&P 500 Low Volatility 5% ER Index.

33719Z PRT 9-21 Page 2 of 6

 Rates effective as of: 2/6/2024
Must be accompanied by the disclosure
statement and North American Secure
Horizon product brochure.
SM

Participation rates shown below are guaranteed for the initial term and subject to change at the beginning of each new term
unless otherwise noted.
Strategy term Initial Annual strategy Most recent3 Highest3 Lowest3
participation rate1 charge2
Performance Strategy Ladder
1 Year 245%
2 Year 350%
Loomis Sayles Managed Futures
3 Year 410% 0.95% 17.36% 24.08% 17.36%
Index with Strategy Charge
4 Year 440%
5 Year 500%
1 Year 205%
2 Year 295%
Loomis Sayles Managed Futures
3 Year 360% N/A 16.55% 22.60% 16.55%
Index
4 Year 390%
5 Year 450%
1 Year 220%
2 Year 305%
Research Affiliates® Global Multi-
3 Year 345% 0.95% 13.00% 23.76% 13.00%
Asset Index with Strategy Charge
4 Year 385%
5 Year 430%
1 Year 185%
2 Year 260%
Research Affiliates® Global Multi-
3 Year 300% N/A 12.38% 22.07% 12.38%
Asset Index
4 Year 335%
5 Year 380%
1 Year 200%
2 Year 275%
S&P PRISM Index with Strategy
3 Year 310% 0.95% 15.88% 17.87% 11.29%
Charge
4 Year 335%
5 Year 360%
1 Year 170%
2 Year 235%
S&P PRISM Index 3 Year 270% N/A 14.99% 16.77% 10.83%
4 Year 295%
5 Year 320%
Fixed Rate
Fixed Account 4.20%
Declared rates are based on current rates and will never be below the contractual minimum rate.

New business guidelines

Interest rates and interest credit factors (“rates”) can change after we receive applications and before we receive the premiums. In order to
qualify for a rate hold, we must receive premium within 45 days of application received date. Rates will be based on more favorable rates
between the application received date and premium received date. If the 45th day falls on a weekend or holiday, the premium must be
received on the business day before the weekend or holiday. Rate hold only applies for the first contract year. In subsequent contract years,
rates will be declared on the contract anniversary and will align with the effective date of the contract. These interest rates and interest credit
factors are reflected on the annual statement.

1
Participation rates are the percentage of index performance you will receive if the index value increases during the term. If the underlying
performance of an index is zero or negative, the interest credited to your contract will be zero.
2
The strategy charge is known as a strategy charge annual percentage in the contract. The strategy charge amount is determined by the
strategy charge for the applicable index account value multiplied by the index account value and is deducted on each contract anniversary from
your index account value. This may result in an overall reduction of the accumulation value if the interest credit is less than the strategy charge.
3
Most Recent based on time period from 12/31/2012 to 12/31/2022 for all indices. Highest index growth period of 12/31/2004 to 12/31/2014 for
Research Affiliates Global Multi-Asset Index, 12/31/2011 to 12/31/2021 for S&P PRISM, 12/31/2010 to 12/31/2020 for Loomis Sayles Managed
Futures Index. Lowest index growth period of 12/31/2012 to 12/31/2022 for Research Affiliates Global Multi-Asset Index, 12/31/2002 to
12/31/2012 for S&P PRISM, and 12/31/2012 to 12/31/2022 for Loomis Sayles Managed Futures Index.

33719Z PRT 9-21 Page 3 of 6

 Rates effective as of: 2/6/2024
Must be accompanied by the disclosure
statement and North American Secure
Horizon product brochure.
SM

The Most Recent, Highest and Lowest rates use backcasting to show how the Strategy Options would have performed over 10-year periods
out of the available live and back-tested historical index performance. These hypothetical examples are for informational purposes only and
are not intended to predict future performance. The product returns assume that the initial participation rates were held constant for the entire
period. Past performance is not indicative of nor does it guarantee future performance. It is likely that your results would be different based on
future index performance and the declared participation rates, which may be higher or lower than at contract issue.

1
Participation rates are the percentage of index performance you will receive if the index value increases during the term. If the underlying
performance of an index is zero or negative, the interest credited to your contract will be zero.
2
The strategy charge is known as a strategy charge annual percentage in the contract. The strategy charge amount is determined by the
strategy charge for the applicable index account value multiplied by the index account value and is deducted on each contract anniversary from
your index account value. This may result in an overall reduction of the accumulation value if the interest credit is less than the strategy charge.
3
Most Recent based on time period from 12/31/2012 to 12/31/2022 for all indices. Highest index growth period of 12/31/2004 to 12/31/2014 for
Research Affiliates Global Multi-Asset Index, 12/31/2011 to 12/31/2021 for S&P PRISM, 12/31/2010 to 12/31/2020 for Loomis Sayles Managed
Futures Index. Lowest index growth period of 12/31/2012 to 12/31/2022 for Research Affiliates Global Multi-Asset Index, 12/31/2002 to
12/31/2012 for S&P PRISM, and 12/31/2012 to 12/31/2022 for Loomis Sayles Managed Futures Index.

33719Z PRT 9-21 Page 4 of 6

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®.

Insurance products issued by North American Company for Life and Health Insurance®, West Des Moines, Iowa. Product and features/options
may not be available in all states or appropriate for all clients.

The North American Secure HorizonSM 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. 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 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.

The indices are managed to a volatility target, and as a result the index performance will not match the performance of any other index or the
markets in general since volatility control tends to reduce both the rate of negative performance and positive performance of the underlying
index, thereby creating more stabilized performance. The S&P 500® Low Volatility Daily Risk Control 5% Index ER has been in existence since
8/31/2011. The Research Affiliates Global Multi-Asset Index has been in existence since 1/25/2021. The S&P PRISM Index has been in
existence since 2/12/2018. The Loomis Sayles Managed Futures has been in existence since 8/30/2021.

The North American Company for Life and Health Insurance® fixed indexed annuity product (“Annuity Product”) is not sponsored, endorsed,
sold, guaranteed, underwritten, distributed or promoted by Goldman Sachs & Co. or any of its affiliates (including Goldman Sachs Asset
Management, L.P.), with the exception of any endorsement, sales, distribution or promotion of this product that may occur through its affiliates
that are licensed insurance agencies (excluding such affiliates, individually and collectively, “Goldman Sachs”) or its third party data providers or
Loomis, Sayles & Company, L.P. (together with its subsidiaries and affiliates, “Loomis Sayles”). Goldman Sachs is a trademark of Goldman
Sachs and has been licensed for use by North American Company for Life and Health Insurance® (“the Company”). Loomis Sayles is a
trademark of Loomis Sayles and has been licensed for use by Goldman Sachs. Goldman Sachs is the administrator and calculation agent for
the Loomis Sayles Managed Futures Index (the “Index”). While Goldman Sachs may sponsor one or more of the strategies used in the
calculation of the Index, Goldman Sachs was not involved in designing or determining the methodology or other intellectual property used to
administer the Index. Loomis Sayles determined and designed the methodology, and is the owner of the intellectual property therein, which is
licensed to Goldman Sachs for use in administering and calculating the Index.

GOLDMAN SACHS, ITS THIRD PARTY DATA PROVIDERS AND LOOMIS SAYLES MAKE NO REPRESENTATION OR WARRANTY,
EXPRESS OR IMPLIED, REGARDING THE ADVISABILITY OF INVESTING IN ANNUITIES GENERALLY OR IN FIXED INDEXED
ANNUITIES OR THE INVESTMENT STRATEGY UNDERLYING THE COMPANY’S ANNUITY PRODUCT, PARTICULARLY, THE ABILITY OF
THE INDEX TO PERFORM AS INTENDED, THE MERIT (IF ANY) OF OBTAINING EXPOSURE TO THE INDEX OR THE SUITABILITY OF
PURCHASING OR HOLDING INTERESTS IN THE ANNUITY PRODUCT. GOLDMAN SACHS AND ITS THIRD PARTY DATA PROVIDERS
DO NOT HAVE ANY OBLIGATION TO TAKE THE NEEDS OF THE HOLDERS OF THE ANNUITY PRODUCT INTO CONSIDERATION IN
ADMINISTERING OR CALCULATING THE INDEX. LOOMIS SAYLES DOES NOT HAVE ANY OBLIGATIONS TO TAKE THE NEEDS OF THE
HOLDERS OF THE ANNUITY PRODUCT INTO CONSIDERATION IN DETERMINING OR DESIGNING THE METHODOLOGY USED TO
ADMINISTER THE INDEX. GOLDMAN SACHS AND LOOMIS SAYLES DO NOT GUARANTEE THE ADEQUACY, TIMELINESS, ACCURACY
AND/OR COMPLETENESS OF THE INDEX OR OF THE METHODOLOGY UNDERLYING THE INDEX, THE CALCULATION OF THE INDEX
OR ANY DATA SUPPLIED BY IT FOR USE IN CONNECTION WITH THE ANNUITY PRODUCT. GOLDMAN SACHS AND LOOMIS SAYLES
HEREBY EXPRESSLY DISCLAIM ALL LIABILITY FOR DETERMINING, COMPOSING OR ANY OTHER ASPECTS OF THE DESIGN OF THE
INDEX AND ANY RELATED INTELLECTUAL PROPERTY. GOLDMAN SACHS AND LOOMIS SAYLES HEREBY EXPRESSLY DISCLAIM
ALL LIABILITY FOR ANY ERRORS, OMISSIONS, OR INTERRUPTIONS THEREIN OR IN THE CALCULATION THEREOF. GOLDMAN
SACHS AND LOOMIS SAYLES EXPRESSLY DISCLAIM ALL LIABILITY FOR ANY SPECIAL, PUNITIVE, INDIRECT OR CONSEQUENTIAL
DAMAGE EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.

THIRD PARTY DATA IS USED UNDER LICENSE AS A SOURCE OF INFORMATION FOR THE INDEX. THIRD PARTY PROVIDER HAS
NO OTHER CONNECTION TO THE INDEX OR GOLDMAN SACHS SERVICES AND DOES NOT SPONSOR, ENDORSE, RECOMMEND OR
PROMOTE THE INDEX OR ANY GOLDMAN SACHS SERVICES. THIRD PARTY PROVIDER HAS NO OBLIGATION OR LIABILITY IN
CONNECTION WITH THE INDEX OR GOLDMAN SACHS SERVICES. THIRD PARTY PROVIDER DOES NOT GUARANTEE THE
ACCURACY AND/OR THE COMPLETENESS OF ANY MARKET DATA LICENSED TO GOLDMAN SACHS AND SHALL NOT HAVE ANY
LIABILITY FOR ANY ERRORS, OMISSIONS, OR INTERRUPTIONS THEREIN. THERE ARE NO THIRD-PARTY BENEFICIARIES OF ANY
AGREEMENTS OR ARRANGEMENTS BETWEEN THIRD PARTY PROVIDER AND GOLDMAN SACHS.

33719Z PRT 9-21 Page 5 of 6

The Research Affiliates® Global Multi-Asset Index (the "Index") is a service mark of RAFI LLC or its affiliates (collectively, "RAFI") and has been
licensed for certain use by North American Company for Life and Health Insurance® ("the Company"). The intellectual and other property rights
to the Index are owned by or licensed to RAFI. This annuity (the "Product") is not sponsored, endorsed, sold or promoted by RAFI or any of its
third-party service providers or suppliers including data licensors and index calculators ("RAFI and its suppliers"). Past performance of an index
is not an indicator of or a guarantee of future results. The Index and included data are provided "as is". RAFI and its suppliers have no
obligation or liability to the owners of the Product and any decision to purchase or invest in the Product is at your own risk. RAFI and its
suppliers disclaim all warranties and representations, including any warranties of merchantability or fitness for a particular purpose or use, with
respect to the Index or any included data. In no event will RAFI or its suppliers be liable for any damages, including direct, indirect, special,
punitive and consequential damages (including lost profits), even if notified of the possibility of such damages.

The “S&P 500® Low Volatility Daily Risk Control 5% Index ER” is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and has
been licensed for use by North American (“the Company”). Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s
Financial Services LLC (“S&P”) and Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). The
trademarks have been licensed to SPDJI and have been sublicensed for use for certain purposes by the Company. Secure Horizon (the
“Product”) is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, any of their respective affiliates (collectively, “S&P Dow
Jones Indices”). S&P Dow Jones Indices does not make any representation or warranty, express or implied, to the owners of the Product or any
member of the public regarding the advisability of investing in securities generally or in this Product particularly or the ability of these Indices to
track general market performance. S&P Dow Jones Indices only relationship to North American with respect to these Indices is the licensing of
the Index and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices and/or its licensors. The Indices are
determined, composed and calculated by S&P Dow Jones Indices without regard to North American or the Product. S&P Dow Jones Indices
has no obligation to take the needs of the Company or the owners of this Product into consideration in determining, composing or calculating
these Indices. S&P Dow Jones Indices is not responsible for and have not participated in the determination of the prices, and amount of the
Product or the timing of the issuance or sale of this Product or in the determination or calculation of the equation by which the Product is to be
converted into cash, surrendered or redeemed, as the case may be. S&P Dow Jones Indices has no obligation or liability in connection with the
administration, marketing or trading of the Product. There is no assurance that investment products based on these Indices will accurately track
index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment advisor. Inclusion of a security
within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security, nor is it considered to be investment
advice.

S&P DOW JONES INDICES DOES NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF
THESE INDICES OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR
WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. S&P DOW JONES INDICES
SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&P DOW JONES
INDICES MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY
OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY NORTH AMERICAN, OWNERS OF
THE PRODUCT, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE INDICES OR WITH RESPECT TO ANY DATA RELATED
THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE
FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF
PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH
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ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND THE COMPANY, OTHER THAN THE LICENSORS
OF S&P DOW JONES INDICES.

33719Z PRT 9-21 Page 6 of 6

 NAC Secure Horizon 10
Input Summary Report
Producer
Producer VIPUL GOEL

Owner Information
Owner Information
Owner Type Same as Annuitant(s)
Annuitant Information
Annuitant Type Individual
Client Name Investor Group
Gender Male
Issue Age 40

Illustration
Period Illustrated Accumulation Only
Illustration Date 02/06/2024
Market Qualified
Jurisdiction MN

Accumulation Benefits
Retirement Benefits Rider False

Initial Contribution
Amount $100,000
1035 Exchange $0
Amount
1035 Exchange Basis $0

Withdrawals
Mode Annual
Scheduled Type Withdrawal Basis Value Adjustment From -
Withdrawals Through
None Percentage 0.00% $0.00 2- M

Performance Model
Illustration Based On Custom Subaccount Allocation

Subaccount Assumptions
Past Performance Duration Longest Common Period
Illustrate Dollar Cost Averaging False
Subaccount
Performance Strategy Ladder
S&P PRISM Index 100.00 %
Rebalance Subaccount None

Reports Options
Years to Illustrate Contract Years 1-20