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North American Company for Life and Health Insurance®

Marketing Toolkit Product Portfolio

 

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


 

 Indexed universal life insurance (IUL)


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

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
Index selections chart flyer
Understanding IUL client guide
Accessing cash value client guide
Sequence of returns client flyer
Current IUL rates guide
IUL marketing guide
IUL white paper
IUL mechanics flyer
IUL confidence flyer
Annual point-to-point vs spread flyer
Current index performance
Fidelity Multifactor Yield IndexSM 5% ER resources

 

Builder Plus IUL® 3*

Accumulation
Accumulation
Income
Income

 

Indexed universal life insurance that offers death benefit protection, a potentially strong income stream, and the opportunity to help reduce the effects of market volatility and taxes.

Builder Plus IUL 3 marketing materials
Client Friendly Action
Client Brochure
Own Your Financial Future Client Flyer
Tax Diversification Client Flyer
Client Digital Tool
Product Overview Flyer
Marketing Guide
Volatility Control Competitive Flyer
Affluent Consumer Profile Flyer
Own your Financial Future Consumer Video
Term + Perm Flyer

 

Protection Builder IUL®

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
Client Friendly Action
Client Brochure
Client Video
Client Flyer
Product Overview Flyer
Marketing Guide
Premium Recovery Endorsement - How it Works Flyer

 

Smart Builder IUL 2

Accumulation
Accumulation
Liquidity
Liquidity

 

Indexed universal life insurance with early potential cash value accumulation.

Smart Builder 2 - marketing materials
Client Friendly Action
Client Brochure
Video
Client Flyer
Product Overview Flyer
Marketing Guide
Client Profile
Smart Builder Business Opportunity Flyer

 

 Universal life (UL)

 

Custom Guarantee® UL

Guaranteed DB
Guaranteed death benefit
Low cost
Low cost

 

Universal life insurance with a guaranteed death benefit3.

Custom Guarantee - marketing materials
Client Friendly Action
Client Brochure
Client Video
Marketing Guide
Product Overview Flyer
Tip Sheet
Premium Recovery Endorsement Flyer

 

 Term

 

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
Client Friendly Action
Client Brochure
Client Flyer
Old Term vs New Term Client Flyer
Income Protection Client Video
Marketing Guide
Product Overview Flyer
Value That Delivers Flyer

 

 Accelerated death benefits for critical, chronic, and terminal illness


North American's accelerated death benefit endorsements (ADBE) 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
Client Friendly Action
Living Benefits Case Study Client Flyer
Living Benefits Client Video
ADBE Marketing Guide
ADBE Client Brochure
ADBE for Term Marketing Guide
ADBE For Term Client Brochure
ADBE For Term Life How It Works Flyer
ADBE Marketing Guide for California
ADBE for Term Life Marketing Guide for California
ADBE for Term Consumer Brochure for California
ADBE Client Brochure for California
ADBE Comparison Flyer

 

 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
Client Friendly Action
Client Flyer
Agent Flyer

 

*Not available in some states and territories.

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. Conditionally Guaranteed Interest Bonus on Fixed Account – If the current fixed account crediting rate exceeds the guaranteed fixed account crediting rate and your client’s policy is in effect after the 10th policy anniversary, your client’s policy will receive an Interest Bonus. Depending on the product, the Interest Bonus percentages may not be guaranteed and could be subject to change; however once a policy is issued, the guaranteed percentage will not change. This bonus may not apply to loaned amounts.

3. Guaranteed death benefits are 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.

The Fidelity Multifactor Yield Index 5% ER (the “Index”) is a multi-asset index, offering exposure to companies with attractive valuations, high quality profiles, positive momentum signals, lower volatility and higher dividend yield than the broader market, as well as U.S. treasuries, which may reduce volatility over time. Fidelity and its related marks are service marks of FMR LLC. Fidelity Product Services LLC (“FPS”) has licensed this index for use for certain purposes to North American Company for Life and Health Insurance® (the “Company”) on behalf of the Product. The Index is the exclusive property of FPS and is made and compiled without regard to the needs, including, but not limited to, the suitability needs, of the Company, the Product, or owners of the Product. The Product is not sold, sponsored, endorsed or promoted by FPS or any other party involved in, or related to, making or compiling the Index. The Company exercises sole discretion in determining whether and how the Product will be linked to the value of the Index. FPS does not provide investment advice to owners of the Product, nor to any other person or entity with respect to the Index and in no event shall any Product contract owner be deemed to be a client of FPS.

Neither FPS nor any other party involved in, or related to, making or compiling the Index has any obligation to continue to provide the Index to the Company with respect to the Product. Neither FPS nor any other party involved in, or related to, making or compiling the Index makes any representation regarding the Index, Index information, performance, annuities generally or the Product particularly.

Fidelity Product Services LLC disclaims all warranties, express or implied, including all warranties of merchantability or fitness for a particular purpose or use.
Fidelity Product Services LLC shall have no responsibility or liability whatsoever with respect to the Product.

Smart Builder IUL 2 (policy form series LS187), Builder Plus IUL 3 (policy form series LS191), Protection Builder IUL (policy form series LS186), Custom Guarantee UL (policy form series LS185), 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.

 

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

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