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  Custom Guarantee


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Consumer Brochure

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Get an illustration on your next Custom Guarantee universal life insurance case!

Call (800) 800-3656, ext. 10411 and North American's Sales Development team will show you how Custom Guarantee can help your clients meet their permanent life insurance needs.

  • Guaranteed death benefit for the duration the client specifies, even up to age 1201

  • Guaranteed Exchange Privilege allows a client to exchange to a cash-value accumulation UL product without evidence of insurability2

  • Low face amounts starting at $25,000

  • Chronic Illness Accelerated Benefit Rider allows the insured to access a portion of the death benefit when certified by a physician as being chronically ill


  • Guaranteed death benefit protection1

  • 1035 Exchanges

  • Conversion

  • Legacy building

  • Issue Ages: 15 days to 85 years (age nearest)

  • Minimum Face Amount: $25,000

  • Interest Rate:

    • Guaranteed: 2.5%

  • Loans

    • Regular policy loans are available in the first five policy years. Please refer to the illustration software for the current loan interest rate. The policy loan interest rate is guaranteed not to exceed 6%.

    • Net zero cost loans in years 6 and thereafter3

  • Underwriting Classes:

    • Super-Preferred NT, Preferred NT, Standard NT, Preferred Tobacco,
      Standard Tobacco


Call Sales Development today at (800) 800-3656 ext. 10411
or email at salessupport@nacolah.com
to help your clients meet their permanent life insurance needs.


1. Subject to premium payment requirements.

2. Allows policyowner the right to exchange policy, without evidence of insurability and surrender charges, to one of our cash value accumulation universal life policies available at the time of exchange. The Cash Surrender Value on the new policy may not be greater than the Cash Surrender Value on the policy being exchanged. Not available for policy ages 76 and above or if there is an outstanding policy loan.
3. Net zero cost loans are loans charged and credited at the same interest rate percentage for a net zero cost.

Please refer to the current Custom Guarantee marketing guide (PR-651) and the Chronic Illness Accelereated Benefit Rider marketing guide (PR-1080) for full product details.

Custom Guarantee is issued on policy form series LS170, Chronic Illness Accelerated Benefit Rider is issued on form series LR450A or state variations by North American Company for Life and Health Insurance, Administrative Office, Sioux Falls, SD 57193. Products, features, riders, endorsements or issue ages may not be available in all jurisdictions. Limitations or restrictions may apply.

PR-1329 R6 4/12