Asset Publisher Asset Publisher
North American Logo
Web Content Display Web Content Display
Marketing Toolkit Product Portfolio
Web Content Display Web Content Display

 

With a complete portfolio of term, universal and indexed universal life insurance, our innovative and flexible products are designed to match your clients' needs with the right solutions.
 

Download our Products at a Glance Brochure

Visit the digital Products at a Glance


 

Web Content Display Web Content Display

 Indexed Universal Life Insurance (IUL)


Educational/informational content for use with any of North American's IUL products.

IUL - Marketing Materials IUL - Marketing Materials
IUL - Marketing Materials
Client Friendly Action
What is IUL? Video
How Does IUL Work? Video
How IUL Works Flyer
How the Index Account Works Flyer
Index Account Football Flyer
Index Account Football Digital Experience
Choosing Your Index Selection Client Flyer
Understanding IUL Client Guide
Current IUL Rates Guide
IUL Marketing Guide
IUL White Paper
IUL Mechanics Flyer
IUL Confidence Flyer
Annual Point-to-Point vs Spread Flyer
Past Index Performance Guide
Web Content Display Web Content Display

 

Builder Plus IUL® 2

Accumulation
Accumulation
Income
Income

 

Indexed universal life insurance with strong cash value potential through a higher account interest multiplier1 and a guaranteed index account bonus.2 Designed to support higher cap rates.

Builder Plus IUL 2 - Marketing Materials Builder Plus IUL 2 - Marketing Materials
Builder Plus IUL 2 - Marketing Materials
Client Friendly Action
Build a Stronger Future Digital Experience
Client Brochure
Client Video
Client Flyer
Product Overview Flyer
Marketing Guide
How Credit Enhancements Work Flyer
Web Content Display Web Content Display

 

Protection Builder IULsm

Accumulation
Accumulation
Guaranteed DB
Guaranteed Death Benefit
low cost
Low Cost

 

Indexed universal life insurance with a guaranteed death benefit3 and cash value accumulation potential.

Protection Builder IUL - Marketing Materials Protection Builder IUL - Marketing Materials
Protection Builder IUL - Marketing Materials
Client Friendly Action
Client Brochure
Client Video
Client Flyer
Product Overview Flyer
Marketing Guide
Premium Recovery Endorsement - How it Works Flyer
Web Content Display Web Content Display

 

Smart Builder IUL®

Accumulation
Accumulation
Liquidity
Liquidity

 

Indexed universal life insurance with early potential cash value accumulation.

Smart Builder - Marketing Materials Smart Builder - Marketing Materials
Smart Builder - Marketing Materials
Client Friendly Action
Client Brochure
Video
Client Flyer
Product Overview Flyer
Marketing Guide
Client Profile
Web Content Display Web Content Display

 

 Universal Life (UL)

Web Content Display Web Content Display

 

Custom Guarantee® UL

Guaranteed DB
Guaranteed Death Benefit
Low cost
Low Cost

 

Universal life insurance with a guaranteed death benefit3.

Custom Guarantee - Marketing Materials Custom Guarantee - Marketing Materials
Custom Guarantee - Marketing Materials
Client Friendly Action
Client Brochure
Client Video
Marketing Guide
Product Overview Flyer
Tip Sheet
Premium Recovery Endorsement Flyer
Web Content Display Web Content Display

 

 Term

Web Content Display Web Content Display

 

Classic Term

Low cost
Low Cost

 

Short-term death benefit protection at an ultra-affordable cost.

Classic Term - Marketing Materials Classic Term - Marketing Materials
Classic Term - Marketing Materials
Client Friendly Action
Client Flyer
Marketing Guide
Top-Tier Term Products Agent Video
Competitive Flyer
Web Content Display Web Content Display

 

ADDvantage® Term

Convertible
Convertible
Living Benefits
Living Benefits
Low cost
Low Cost

 

Term life insurance for up to 30-years of death benefit protection, accelerated death benefit for critical, chronic, and terminal illness, and a comprehensive conversion privilege.4

ADDvantage Term - Marketing Materials ADDvantage Term - Marketing Materials
ADDvantage Term - Marketing Materials
Client Friendly Action
Client Brochure
Client Flyer
Old Term vs New Term Client Flyer
Income Protection Client Video
Marketing Guide
Product Overview Flyer
Competitive Flyer
Web Content Display Web Content Display

 

 Accelerated Death Benefits for Critical, Chronic, and Terminal Illness


North American's Accelerated Death Benefit Endorsments allow the policyowner to access a portion of the death benefit if the insured is diagnosed with a qualifying critical, chronic or terminal illness. These powerful benefits could provide funds at a time when your client's family might need it most. North American automatically includes the accelerated death benefit feature at policy issue for no additional premium on applicable policies.5

Accelerated Death Benefits for Critical, Chronic, and Terminal Illness - Marketing Materials Accelerated Death Benefits for Critical, Chronic, and Terminal Illness - Marketing Materials
Accelerated Death Benefits for Critical, Chronic, and Terminal Illness - Marketing Materials
Client Friendly Action
The Power of Life Insurance Flyer
Accelerated Death Benefit Client Video
The Power of Living Benefits Client Video
ADBE Marketing Guide
ADBE Client Brochure
ADBE for Term Marketing Guide
ADBE for Term Consumer Brochure
ADBE Marketing Guide for California
ADBE Client Brochure for California
ADBE Chronic Illness Specimen for California
Web Content Display Web Content Display

 

 Premium Deposit Agreement


The Premium Deposit Agreement can provie a simple solution to fund a life insurance policy with a lump sum and not create a Modified Endowment Contract.6

Premium Deposit Agreement - Marketing Materials Premium Deposit Agreement - Marketing Materials
Premium Deposit Agreement - Marketing Materials
Client Friendly Action
Client Flyer
Agent Flyer
Web Content Display Web Content Display

 

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.

1. Account Interest Multiplier is applied after interest credit or index credit is determined and before any interest bonus. It is not applied to the interest bonus or any portion of the account value that is policy debt or the minimum account value.

2. Builder Plus IUL 2 offers a conditionally guaranteed interest bonus on the fixed account. If we are crediting interest in excess of the guaranteed interest rate and your client’s policy is in effect after the 10th policy anniversary, your client’s policy will receive an Interest Bonus. The interest bonus on the index account is guaranteed. The Interest Bonus is 1.0% above the then current interest rate. The Account Multiplier is not applied to the Interest Bonus.

3. Subject to premium payment requirements.

4. Conversion is allowed during the level premium period of the policy, or through age 74 (through age 69 for ADDvantage 30), whichever is earlier. The conversion period is never less than five years. Conversion is allowed to any product we then make available for conversion. Subject to the terms of the policy and premium payments.

5. For California applicants, there are additional underwriting requirements for the chronic and critical illness benefits. 
Accelerated death benefits are subject to eligibility requirements. The death benefit will be reduced by the amount of the death benefit accelerated. Since benefits are paid prior to death, a discount will be applied to the death benefit accelerated. As a result, the actual amount received will be less than the amount of the death benefit accelerated. An administrative fee is required at time of election. Please refer to the appropriate accelerated death benefit marketing guide for additional details including information.

6. For most policies, withdrawals are free from federal income tax to the extent of the investment in the contract, and policy loans are also tax-free so long as the policy does not terminate before the death of the insured.  However, if the policy is a Modified Endowment Contract (MEC), a withdrawal or policy loan may be taxable upon receipt.  Further, unpaid loan interest on a MEC may be taxable.  A MEC is a contract received in exchange for a MEC or for which premiums paid during a seven-year testing period exceed prescribed premium limits (7-pay premiums).

CALIFORNIA AGENTS: Agents offering, marketing, or selling accelerated death benefits for chronic illness in California must be able to describe the differences between benefits provided under an accelerated death benefit for chronic illness and benefits provided under long-term care insurance to clients. You must provide clients with the ADBE Consumer Brochure for California that includes the comparison. Comparison is for solicitation purpose only, not for conversions.

Builder Plus IUL 2 (policy form series LS183), Protection Builder IUL (policy form series LS186), Custom Guarantee UL (policy form series LS185), Classic Term (policy form series LS188), ADDvantage Term (policy form series LS174), and Premium Deposit Agreement (form series LR509), or state variation including all applicable endorsements and riders, are issued by North American Company for Life and Health Insurance, Administrative Office, One Sammons Plaza, Sioux Falls, SD 57193. Products, features, riders, endorsement or issue ages may not be available in all jurisdictions. Restrictions or limitations may apply.

 

Web Content Display Web Content Display

FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES.

1118NW-2 12-19