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Indexed Universal Life  
Our Indexed Universal Life portfolio comes
fully loaded.
Test drive North American’s
IUL series today!

 

 
A Winning Solution
 

Choose your make and model. North American’s Indexed Universal Life products come fully loaded for long-term protection as well as cash value potential.

  • Safety features. Our IULs offer a unique Protected Death Benefit,* with more comprehensive client options than traditional overloan protection.
  • Extra horsepower. Indexed accounts earn a guaranteed interest rate bonus to help boost cash value growth.1
  • Yearly tune-ups. Our annual reset feature means your clients’ credited interest is locked in each year and counts toward the next year’s growth—regardless of swings in the market.

 

Put your clients behind the wheel. At whatever speed they like. Our IULs are customizable to fit your clients’ financial goals.

  • Four customizable IUL products help ensure death benefit protection with the potential for a wide range of living benefits for clients with different needs.
  • Your clients can choose from 13 index selections—including a multi-index option that makes diversification simple for clients.
  • Transfer funds from an indexed account to a fixed account at any time. Change index options annually. Switch policy loan types without the hassle of paying out the balance.2

 

 
A Winning Solution
 

Get consistent and competitive results.

We deliver both quality protection through a Protected Death Benefit and strong cash value growth potential—a winning combination.

How do we do it?

North American has consistently strong performance relative to the industry, thanks to a conservative investment strategy. That’s how we can offer consistently high index cap rates for our IUL cases.

 

 
Product Purpose Uses Key Features

Builder IUL®

Builder IUL is engineered to offer comprehensive death benefit protection and long-term cash value growth potential.

Individuals:
  • Retirement Planning
  • 1035 Exchanges
Businesses:
  • Executive Bonus
  • Buy-Sell Agreements
  • Interest Bonus on Fixed & Index Account
  • Multi-Index Option
  • Capped Variable Interest Rate Loans
  • Accelerated Death Benefits (Critical, Chronic, and Terminal Illness)

RapidBuilder IUL®

Fine-tuned with a Waiver of Surrender Charge Option3 and no premium load, Rapid Builder IUL has the potential to build cash value in a hurry.

Individuals:
  • 1035 Exchanges
  • Annuity Maximization
  • Smart Money Sale
Businesses:
  • Buy-Sell Agreements
  • Key-Person
  • Interest Bonus on Fixed & Index Account
  • Waiver of Surrender Charge Option with Table Shave4
  • 0% Premium Load
  • Accelerated Benefit Endorsement & Chronic Illness Accelerated Benefit Rider

Guarantee Builder IUL®

When the death benefit must be there without a doubt, turn to Guarantee Builder IUL.5

Individuals:
  • Retirement Planning
  • Annuity Maximization
  • Legacy Building
  • Estate Planning
  • 1035 Exchanges
Businesses:
  • Buy-Sell Agreements
  • Executive Bonus
  • Premium Guarantee Rider
  • Interest Bonus on Fixed & Index Account
  • Capped Variable Interest Rate Loans
  • Accelerated Death Benefits (Critical, Chronic, and Terminal Illness)

Survivorship GIUL

Forged with an IUL chassis, this second-to-die product can make an excellent estate planning tool with the opportunity for significant cash value growth.


Individuals:
  • Retirement Planning
  • Estate Planning
Businesses:
  • Continuity Planning
  • Waiver of Surrender Charge Option
  • Estate Preservation Rider
  • Accelerated Death Benefit Endorsement

Illustrate a fully loaded IUL today! Contact Sales Development at
(800) 800-3656, ext. 10411, or email salessupport@nacolah.com.

 

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

IRS CIRCULAR 230 NOTICE
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.

* If Policy has a Premium Guarantee Rider attached to it, such rider will be terminated upon the election of the Protected Death Benefit.

1 The interest bonus is applied after the participation rate, cap, and floor.

2 Remaining balance will be transfered to a new loan.

3 Available for an additional charge of $1,000 per month, depending on issue age and underwriting class.

4 When a person applies for life insurance coverage, his or her health is evaluated and a corresponding underwriting rating is applied. This product’s table shaving features allow certain substandard underwriting rates (known as "table ratings") to be improved to a "standard" rating. A "standard" rating generally indicates average health and involves a lower life insurance premium than do substandard ratings.

5 Subject to premium payment requirements.

Please refer to the Survivorship GIUL marketing guide, NAM-1435, and the Builder IUL Series marketing guide, NAM-1275, for complete product details.

Builder IUL is issued on policy form series LS172, Guarantee Builder IUL is issued on policy form series LS175, Rapid Builder IUL is issued on policy form series LS169, Survivorship GIUL is issued on policy form series LS171 without the Waiver of Surrender Charge and policy form series LS171W with the Waiver of Surrender Charge. Waiver of Surrender Charge Endorsement is issued on form series LR417A; Accelerated Death Benefit Endorsement for Critical, Chronic and Terminal Illness is issued on form series LR477; Accelerated Death Benefit Endorsement for Chronic and Terminal Illness is issued on form series LR465, form series LR463 for Survivorship GIUL; and Accelerated Death Benefit Endorsement for Terminal Illness is issued on form series LR466, form series LR464 for Survivorship GIUL; Estate Preservation Rider is issued on form series LR461, and Survivorship Policy Split Exchange Endorsement is issued on form series LR462, by North American Company for Life and Health Insurance, Administrative Office, Sioux Falls, SD 57193. Products, features, issue ages, endorsements or riders may not be available in all jurisdictions. Limitations or restrictions may apply.

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.

FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES.
NAL-2539 R1 8/13