Indexed universal life (IUL) is universal life insurance that provides a death benefit to protect your client’s loved ones if the worst should happen. It can also build cash value during your client’s lifetime based on movement in a stock market index. With IUL, your client’s premium payments are allocated to either a fixed account or an index account. The fixed accounts earn interest at a set rate, while the index accounts earns interest at a rate that reflects market performance, and is subject to a cap/max, and a zero percent floor protects against negative market performance. North American provides IUL products that can serve a variety of needs.
Use these resources to familiarize yourself with indexed universal life and its value-add features.
Agent Materials
Download these materials to share in a meeting, send in a follow-up email or visit Supply Warehouse to order copies to keep on hand!
Consumer Materials
North American offers three different IUL products
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.
While the primary use of life insurance is death benefit protection, your clients may also have other needs that can be met through life insurance. The sales concepts and accompanying marketing materials on this page may help you broaden your sales potential. As independent contractors, it is up to you to choose which of these concepts may work for your particular sales strategy and clients, and which do not. Please note that North American Company does not require you to use any of these sales concepts; they are resources that can be used at your discretion for your own individualized sales presentations.
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FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES.
