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Term
ADDvantage

Universal Life
Custom Guarantee Builder IUL Rapid Builder IUL
Guarantee BuilderIUL Survivorship GIUL  

To see complete product details, click here to view our @ A Glance sales piece  (PDF).

ADDvantage
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Simple and affordable term life insurance coverage with Super Preferred Non-tobacco rates and a choice of level premium guarantee periods.

Target Markets:

  • Broad market appeal
  • Individuals seeking low-cost coverage

     

Builder IUL
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A powerful long-term cash value accumulation product –– Builder IUL is an indexed universal life insurance product that offers death benefit protection combined with the opportunity to earn interest linked to the performance of one or more stock market indices.

Target Markets:

  • Retirement planning
  • Buy-sell
  • Low cost protection
  • Mortgage protection

Custom Guarantee
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This universal life insurance product may help clients who want the performance and flexibility of universal life coverage – plus the solid guarantees associated with whole life insurance.

Target Markets:

  • Individuals seeking long-term death benefit guarantees1
  • Wealth transfer

Guarantee Builder IUL
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Guarantee Builder IUL indexed universal life insurance has some of the lowest premiums to guarantee death benefit coverage to age 1201 with the opportunity for cash value growth.

Target Markets:

  • Family protection
  • Retirement planning
  • Mortgage protection
  • Limited pay premium

Rapid Builder IUL
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Rapid Builder IUL indexed universal life insurance offers death benefit protection combined with the opportunity to earn interest linked to the performance of one or more stock market indices. Rapid Builder IUL is designed to build early cash value accumulation.

Target Markets:

  • 1035 Exchanges
  • Buy-sell

Survivorship GIUL
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Indexed universal life insurance covering two lives with the death benefit paid upon death of the second insured.

Target Markets:

  • Estate planning
  • Retirement planning

1Subject to premium payment requirements. Custom Accumulator, Builder IUL, Custom Guarantee, Guarantee Builder IUL, ADDvantage plans, Rapid Builder IUL, and Survivorship GIUL are issued on policy form series LS165B, LS166, LS167, LS175, LS143AMP, LS169, and LS171 respectively 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.

IRS CIRCULAR 230 NOTICE

Any U.S. tax information included in this written or electronic communication, including any attachments, is not intended as tax advice, was not intended or written to be used, and it cannot be used by you or any taxpayer, (i) for the purpose of avoiding any penalties that may be imposed on you or any other person under the Internal Revenue Code or applicable state or local tax law provisions, or (ii) promoting, marketing or recommending to another party any transaction or matter addressed herein.

The primary purpose of life insurance is to provide a death benefit to beneficiaries. Because of the uncertainty surrounding all funding options except savings, it is critical to encourage your clients to make personal savings the cornerstone of your clients' college funding program. However, even a well-conceived savings plan can be vulnerable. Should your clients die prematurely, their savings plan could come to an abrupt end.

To protect against this unexpected event, life insurance may be the only vehicle that can help assure the completion of a funding plan. In addition to the financial protection aspect of insurance, the tax-deferred buildup of cash values can be part of your clients' college savings plan. Generally, if the policy is not a Modified Endowment Contract then tax-free withdrawals can be made up to the contract's cost basis. Moreover, if the policy is not a Modified Endowment Contract, then loans in excess of the cost basis are also tax free as long as the policy remains in force.