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  Custom TermGUL

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

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

  • Low-cost coverage: Our most economical UL product to provide $1 of account value at age 100, based on current assumptions.

  • Net zero cost loans in years 11+1

  • Premium Guarantee Rider

  • Competitive compensation


  • Income replacement

  • Business (buy-sell,
    key person)

  • Estate Planning

  • 1035 Exchanges

  • Juveniles

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

  • Minimum Face Amount: $25,000

  • Interest Rate:

    • Current: 6.0% (The current interest rate is guaranteed for the first policy year.)

    • Guaranteed: 2.5% in all years

  • Loans

    • Regular: 4%

    • Net zero cost loans in years 11 and thereafter1

  • No Lapse Guarantee Period: Coverage is guaranteed for fifteen years or to age 75 (whichever is less, but never less than ten years) provided the no-lapse guarantee minimum premium is met.2

  • Underwriting Classes:

    • Super Preferred NT, Preferred NT, Standard NT,
      Preferred Tobacco and 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. Zero cost loans are loans charged and credited at the same percentage for a net zero cost.

2. Subject to premium payment requirements.


In some situations, loans and withdrawals may be subject to federal taxes. North American Company and its agents do 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. Death benefit value may be reduced by the net amount withdrawn. Custom TermGUL is issued on policy form series LS167, Premium Guarantee Rider is issued on form series LR452 by North American Company for Life and Health Insurance. Product, features, riders, endorsements or issue ages may not be available in all jurisdictions. Limitations and restrictions may apply.

PR-1730 4/11