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North American Company's Builder IUL Series
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Not All Indexed Universal Life Insurance (IUL) Products are Equal

Under the skin, you'll notice that North American's Indexed Universal Life Insurance (IUL) products are a slice above.

  • Up to 13 Index Selections: Choice of U.S. and international index selections along with daily sweeps to the index account, and no funds required in the fixed account.1
  • Capped Variable Interest Rate Loans: Guaranteed not to exceed 6%.
  • Guaranteed Interest Rate Bonus: Index accounts earn an interest rate bonus to help boost cash value accumulation.
  • Accelerated Death Benefit Features: Allows policyowners to access funds for a chronic, critical, or terminal illness, subject to eligibility requirements.
  • Choice of loans: Variable interest rate loans, standard loans, and net zero cost loans (NZCLs)—NZCLs are available with standard loans in policy year 6 on 100% of the loan value.2 Plus, clients can move between loan types without cash payoff!3


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For more information about North American's IUL portfolio, contact Sales Development at (800) 800-3656 ext. 10411 or email at salessupport@nacolah.com.
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1 Premium allocated to index bucket on trading day (the day the New York Stock Exchange is open for business), upon receipt.
2 Zero cost loans are loans charged and credited at the same percent for a net zero cost.
3 Remaining balance will be transferred to new loan.

Index 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.

In some situations, loans and withdrawals may be subject to federal taxes. Neither North American Company nor its agents give tax or legal advice. Customers should be instructed to consult with and rely on their own tax advisor or attorney for advice on their specific situation.

Any U.S. tax information included in this written or electronic communication, including any attachments, is not intended as tax advice, was not intended or written to be used, and it cannot be used by you or any taxpayer, (i) for the purpose of avoiding any penalties that may be imposed on you or any other person under the Internal Revenue Code or applicable state or local tax law provisions, or (ii) promoting, marketing or recommending to another party any transaction or matter addressed herein.

Accelerated Death Benefit Endorsement for Critical, Chronic, and Terminal Illness is issued on form series LR477; Accelerated Death Benefit Endorsement – Chronic and Terminal Illness is issued on form series LR463 and LR465; Accelerated Death Benefit Endorsement – Terminal Illness is issued on form series LR464 and LR466; Chronic Illness Accelerated Benefit Rider is issued on form series LR450A (FL only) or state variations by North American Company for Life and Health Insurance, Administrative Office, Sioux Falls, SD 57193. Products, features, riders, endorsement or issue ages may not be available in all jurisdictions. Restrictions or limitations may apply.

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