Guarantee Builder IUL^®

North American's Guarantee Builder IUL is an indexed universal life insurance solution with long-term guarantees. It provides strong cash value accumulation with a death benefit guarantee – even up to age 120.¹

Product Highlights:

• The ability to have guaranteed death benefit protection to any age up to age 120¹
• The ability to earn interest based on the movement of a stock market index without the risk of investing directly in the market.
• The interest rate credited is never less than zero percent—guaranteed!
• Features that help build long-term cash values for future financial needs.
• Access to your cash value through withdrawals and policy loans.²
• Access to a portion of the Death Benefit to help cover the cost of a chronic or terminal illness

Build up a financial future, while guaranteeing your death benefit coverage with North American's Guarantee Builder IUL. To learn more about this product, download the brochure, or contact your North American representative today!

¹ After the policy's no lapse guarantee period, coverage can be guaranteed to any age up to age 120 through the Premium Guarantee Rider. Coverage is guaranteed provided the no lapse guarantee premium requirement is met. If you do not meet the requirement significantly higher premiums may be necessary to keep the policy in force. Paying a premium that is equal to, but not greater than the no lapse guarantee premium will keep the policy in force but may result in a negative or zero account value. By paying only the no lapse guarantee premium you may be forgoing the advantage of building more cash values.

² Policy loans from life insurance policies generally are not subject to income tax, provided the contract is not a Modified Endowment Contract, as defined by Section 7702A of the Internal Revenue Code. A policy loan or withdrawal from a life insurance policy that is a Modified Endowment Contract is taxable upon receipt to the extent cash value of the contract exceeds premium paid. Policy loans and withdrawals will reduce cash value and death benefit. Policy loans are subject to interest charges. Please consult with and rely on your tax advisor or attorney on your specific situation.

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.

Guarantee Builder IUL is issued on policy form series LS175; Chronic Illness Accelerated Benefit Rider is issued on form series LR450A; Accelerated Benefit Endorsement is issued on form series LR352A by North American Company for Life and Health Insurance, Administrative Office, Sioux Falls, SD 57193. Product, features, riders, endorsements or issue ages may not be available in all jurisdictions. Limitations and restrictions may apply.

Life insurance policies have terms under which the policy may be continued in force or discontinued. Current cost of insurance rates and interest rates are not guaranteed. Therefore, the planned periodic premium may not be sufficient to carry the contract to maturity. The Index Accounts are subject to caps and participation rates. In no case will the interest credited be less than zero percent. Please refer to the customized illustration provided by your agent for additional detail. The policy's death benefit is paid upon the death of the insured. The policy does not continue to accumulate cash value and excess interest after the insured's death. For costs and complete details, call or write North American Company, Administrative Office, Sioux Falls, SD 57193. Telephone (877) 872-0757.