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  North American's Custom Builder









Performance   Product Design   Price

This is a highly marketable product that is now even more competitive!


Guarantee Builder IUL is among the highest in cash value accumulation! Just look at how we compare even with annual premiums being equal:


Male, Age 55, Best Non-Tobacco, $500,000 Death Benefit,
Level Pay Premium to Maturity
Company Product Interest Rate Premium Cash Value Year 20 Cash Value Year 30 Cash Value @ Age 90
North American Guarantee Builder IUL 8.30% $14,000 $546,793 $1,406,681 $2,131,534
ING ING IUL-GDB 7.66% $14,000 $478,449 $1,126,206 $1,629,497
Nationwide YourLife Indexed UL w/ Extended DB Guarantee 7.60% $14,000 $434,170 $1,028,077 $1,496,755
Minnesota Life Eclipse Protector IUL w/DB Guarantee Agreement 7.01% $14,000 $475,766 $1,045,594 $1,471,284
American General AG Choice Index GUL 6.47% $14,000 $459,287 $1,033,925 $1,476,665
Information current as of 5/2012. Information taken from North American Company Illustration Software (NACIS), competitive illustration software, and WinFlex Web. CVAT used where available.



  • Variable interest rate loans capped at 6%.
  • No premium payments beyond age 100: Now when you guarantee to age 100 it automatically runs to age 120 without additional premiums.
  • Interest rate bonus: Beginning in year 11+, a 0.50% interest rate bonus is contractually guaranteed on index account values and conditionally guaranteed on fixed account values.2
  • More index selections: We've expanded the available index options to match our other popular IUL products. The Guarantee Builder IUL now has 13 different choices available.
  • Lowered current standard loan rates: Loan rates for standard loans in years 1-5 have been reduced from 5% to a new rate of 4.25%. Standard loans become net zero cost loans beginning in the 6th year.3
  • Minimum face now $25,000: With the top rate class available down to the minimum face, this helps the Guarantee Builder IUL become even more competitive for more low face amount cases.
  • Late premium adjustment: The Guarantee Builder IUL includes a late premium adjustment for premiums applied in the Premium Guarantee Account. Premiums are applied at the beginning of the policy month in which they are received and special treatment is given to 1035 exchanges in order to provide extra protection for the performance of the Premium Guarantee Rider.



We've made significant improvements in the cost to guarantee the death benefit to maturity. This allows for even more marketability of this product as a competitively priced guaranteed death benefit product PLUS cash value accumulation.

Male, Age 55, Preferred Non-Tobacco, $500,000 Death Benefit,
Level Pay Premium to Maturity
Company Product Level Pay to Age Indicated Premium to Guarantee
North American Guarantee Builder IUL 100 $6,193
ING Life ING IUL-GDB 121 $6,944
American General AG Choice Index GUL 121 $7,018
Nationwide YourLife Indexed UL w/ Extended DB Guarantee 120 $7,272
Minnesota Life Eclipse Protector IUL,
w/DB Guarantee Agreement
120 $7,625
Information current as of 5/2012. Information taken from North American Company Illustration Software (NACIS), competitive illustration software, and WinFlex Web.



With the ability to grow significant cash value and a death benefit guarantee, the Guarantee Builder IUL provides excellent opportunities with:

  • Estate Planning: Provides a guaranteed death benefit and the potential for cash value growth, which offers heirs an additional element of future control
  • Supplemental Retirement Income: Guaranteed death benefit protection, variable interest rate loans capped at 6%, and high cash value performance can make this product ideal.
  • 1035 Exchanges: May dramatically improve clients' projected performances in building cash value, while maintaining guaranteed death benefit protection

Click here to learn more about all our Sales Concepts!


For more information, or help running your next illustration,
call Sales Development at (800) 800-3656 ext. 10411,
or email salesssuport@nacolah.com today!"

Image: North American Company logo
North American Company
525 W. Van Buren
Chicago, IL 60607

1. Death benefit guarantee is subject to premium payment requirements.
2. Guarantee Builder IUL offers a conditionally guaranteed interest bonus to further help your clients build long-term cash value accumulation. Interest bonus may be earned when we declare a current interest rate that exceeds the guaranteed interest rate. Interest Bonus percentages are not guaranteed and subject to change; however, once a policy is issued, the percentage will not change. Interest bonus is not applied to loaned funds.
3. Net zero cost loans are loans charged and credited at the same interest rate percentage for a net zero cost.


Competitor information is obtained from sources believed to be reliable, but its accuracy or completeness is not guaranteed. If there are questions regarding this information, please contact a representative from the applicable company. This data is for informational purposes and is not intended as a solicitation or a recommendation of any insurance product. All expressed information or opinions are subject to change without notice.
Insurance Company names are strictly used for comparison purposes. North American Company does not have a business relationship with the companies being depicted nor does it offer products from any of these companies.


Please refer to the current Builder IUL Series marketing guide (PR-1275) for complete product details.


In some situations loans and withdrawals may be subject to federal taxes. North American Company for Life and Health Insurance does not give tax or legal advice. Clients should be instructed to consult with and rely on their own tax advisor or attorney for advice on their specific situation.


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.


Guarantee Builder IUL is issued on policy form series LS175, or state variations, 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 or restrictions may apply.

PR-1991 R1 6/12