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Sign up today for one of our live web events, or explore our previously recorded sessions.


 

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Live Web Events

 

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Time with Tom: Regulatory Changes for IUL Illustrations

1:00 p.m., CST

Did you know AG49 Illustration Regulations are getting updated? Join us to learn more about how the upcoming changes will impact your indexed universal life (IUL) insurance illustrations. Tom Martin will share more about the new NAIC illustration regulations to help you stay up-to-date in the every-changing regulatory environment.

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Recorded Events

 

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Demystifying IUL

 

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Session 1:
IUL Mechanics

Understand the basic functionality of Index Universal Life Insurance Products.

Session 2:
How Insurance Companies
Cover Index Credits

Find out how index credits work on IUL products.

Session 3:
Compelling Product Features

Learn about the most competitive features
of our products, and how they can apply to your customer's needs.

Session 4:
Effective Illustration Tips

Understand North American's illustration
software and how to run it most effectively.

Session 5:
How to Sell

Gain an understanding for how to position our IUL portfolio with your various clients' needs.

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Time with Tom

 

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Alphabet Soup
Alphabet soup was great as a kid, but trying to figure out UL, IUL, MEC, CVAT, GPT and more can be confusing. Join the Life Product & Competition Analyst, Tom Martin, as he goes through the evolution of acronyms we see in universal life insurance.

To MEC or Not to MEC
Modified Endowment Contracts (MEC)1 don't do it! Or do it? Join Director of Life Marketing and Analytics, Tom Martin, for a quick discussion as he finds situations where a MEC can be a good thing.

Reasons to Add a Term Policy to Your Retirement Planning Sales
Join Tom Martin for a quick 15 minutes to discuss why adding a term policy to your retirement planning sales could benefit your client and you, the agent.

Growing Premium: The Power of Illustrating Premium Growth
See how showing a growth in premium can affect potential cash accumulation and discover how to increase your IUL sales to new levels.

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Protected Death Benefit2
North American's Protected Death Benefit takes Overloan Protection3 to a whole new level. Tom Martin takes a quick 15 minutes to show you how this option allows your client to have more control regarding their policy.

ROP - Why I Love It!
Take 15 minutes to join Tom Martin and see why he loves the Return of Premium Death Benefit Option and all the benefits it can provide for a retirement planning illustration.

Point to Point with Spread Index Selection
Join this can't-miss session to learn more about our second most popular index selection, point-to-point with spread. Hear from Tom Martin how this index is designed, how it works, and how it can be used to create compelling illustrations.

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Sales Ideas

 

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Retirement Planning
The primary purpose of life insurance is to provide death benefit protection. However, insurance can also be used to help supplement retirement income. Watch this webinar to find out how.

Income Protection
A primary goal of life insurance is to provide financial protection at the loss of an income earner or service provider. Learn tips on what to look for and how to position life insurance for this basic but important need.

Business Sales Ideas
Your business clients have unique life insurance needs. Let North American help simplify your sales process with our powerful sales strategies. Learn how to position products to best help your business clients with buy-sell funding, key person insurance, executive bonus plans and business continuation.

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4 Ways Indexed Universal Life (IUL) can Complement a Qualified Plan
IUL can be a great tool in retirement planning. Discover new talking points you can use with your clients. Learn how IUL can provide death benefit protection and help with effective timing of distributions, taxes, social security, and more. This is not about IUL instead of a qualified plan, but rather how IUL works WITH other sources of income.

Get the Specs on MECsI
t's an abbreviation you'll want to know: MEC = Modified Endowment Contract. Join Dan Hajek to learn the benefits of intentionally max funding a policy by creating a MEC. We'll talk through misconceptions around these types of policies, technical aspects, and how to best position your clients when using one. Register today to see how you could add this tool to your life insurance toolbox.

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Products

 

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Living Benefits on Term Life Insurance and Premium Deposit Agreement
Learn more about our two new product enhancements!

North American's
Premium Deposit Agreement

Join Tom Martin and see how this new feature allows the policyowner to submit a lump sum for the purpose of funding automatic future annual premium payments on the policy.

Living Benefits on ADDvantage® Term
Join Tom Martin and see how accelerated death benefits are now added with no charge to the premium rates. North American is one of the few carriers to offer these benefits on competitively priced term insurance.

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Technology

 

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WriteAway is Getting an Upgrade!

Join Kory Petoske, Senior Automated Underwriting Specialist, as he introduces the newest enhancement to WriteAway®, the Online Part 2! WriteAway® applicants will now have the ability to provide their medical history information via a secure online portal, 24 hours a day, 7 days a week! Don’t miss this opportunity to learn how the Online Part 2 can help your clients, today!  

North American's Web-based Illustration Software
Take a detailed walk through North American's web-based illustration software. Learn how to illustrate popular sales concepts and access different reports.

North American's WriteAway® - Accelerated Underwriting
Would you like to have fully-underwritten pricing with no paramedical exam and no fluids taken from your clients? Let us introduce you to the newest process from North American, WriteAway accelerated underwriting.

Digital Selling Resources + Additional Flexibility for Your Business
Join North American Company to learn about tools available to you to help you keep selling and protecting your clients. Our digital resources can keep your business and applications moving forward, even when face-to-face meetings aren't an option. Plus, learn how North American is providing additional flexibility for your submitted business during COVID-19. 

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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 this comparison. Comparison is for solicitation purpose only, not for conversions.

Indexed Universal Life products are not an investment in the “market” or in the applicable index and are subject to all policy fees and changes normally associated with most universal life insurance.

1. 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).

2. If Policy has a Premium Guarantee Rider attached to it, such rider will be terminated upon the election of the Protected Death Benefit. The Protected Death Benefit cannot be elected if the Over loan Protection Benefit is in effect.

3. The policy will remain in effect when extensive loans are taken provided the policy is not terminated due to surrender and the policy owner does not take policy loans or withdrawals during the Overloan Protection period. This benefit may reduce the Specified Amount and will terminate the Protected Death Benefit.

4. 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 nor any portion of the Account Value that is Policy Debt or the Minimum Account Value.

Builder Plus IUL (policy form series LS183), ADDvantage Term (policy form series LS174), Premium Deposit Agreement (from series LR509) are issued by North American Company for Life and Health Insurance, Administrative Office, One Sammons Plaza, Sioux Falls, SD 57193 Products, features, riders, endorsements, or issues ages may not be available in all jurisdictions. Limitations or restrictions may apply.

 

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

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