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  Annuity Max




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Marketing Materials:

Agent Guide
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Get case design support on your next Annuity Max life insurance case!

Call (800) 800-3656, extension 10411 and North American's Sales Development team will help you aim high with your annuity max sales.

What is Annuity Maximization?

Annuity maximization (annuity max) is a leveraging technique where annuity assets are used to purchase life insurance. The goal is to provide a greater death benefit for heirs.

Though annuities may be an excellent tax deferred growth vehicle1 they are not designed to transfer wealth. Life insurance may be an ideal wealth transfer solution.


Product Strengths

Here are some characteristics of annuity max clients:

  • Retirement age

  • Need for life insurance protection

  • Has annuity assets

  • Financially secure

Product Strengths

There are typically two possible objectives in an annuity max sale. One is maximizing the death benefit and the other one is the ability to access the
cash value:

  • Maximize the death benefit – For this objective, a client needs a low-cost, guaranteed death benefit product.

  • Access to cash value – In this situation, both death benefit and cash accumulation are desirable.


Case 1: Custom Guarantee® - Maximizing the Death Benefit
For your annuity maximization cases, take a look at Custom Guarantee. This universal life insurance product offers low-cost, competitive guaranteed death benefit protection.2

Click Here to see the illustration

Case 2: Rapid BuilderIUL® - Accessing Cash Value
Take a look at another great option for your annuity max cases—Rapid Builder IUL. This indexed universal life insurance product offers your clients death benefit protection, an opportunity for cash value growth, and an available Waiver of Surrender Charge Option,3 which provides additional access to the cash value since it waives the surrender charge.

Click Here to see the illustration


To help build your annuity max sales,
Call Sales Development today at (800) 800-3656, ext. 10411
or email salessupport@nacolah.com.


The information presented is hypothetical and not intended to project or predict investment results.

1. North American Company nor its agents give tax advice. Please advise your customers to consult with and rely on a qualified legal or tax advisor before entering into or paying additional premiums with respect to such arrangements.
2. Subject to premium payment requirements.
3. Available for an additional charge per $1,000 per month, depending on issue age and underwriting class.

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.

Please refer to the marketing guides for complete product details, PR-651 for Custom Guarantee and PR-1275 for Rapid Builder IUL.

Custom Guarantee is issued on policy form series LS170 and Rapid Builder IUL is issued on policy form series LS169 by North American Company for Life and Health Insurance, Executive Office, Chicago, IL 60607. Products, features, issue ages, endorsements or riders may not be available in all jurisdictions. Limitations or restrictions may apply.

PR-1509 7/11