FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES.
115NB January 30, 2017
Builder IUL (issued on policy form series LS172), Guarantee Builder IUL issued on policy form series LS175), Rapid Builder IUL
(issued on policy form series LS176/LS176W with Waiver of Surrender Charge Option), Survivorship GIUL (issued on policy form
series LS171 without the Waiver of Surrender Charge and policy form series LS171W with the Waiver of Surrender Charge),
Guaranteed Insurability Rider (issued on form series LR495, or state variation ), Accidental Death Benefit Rider 2 (issued on form
series LR493), Accelerated Death Benefit Endorsement for Critical, Chronic and Terminal Illness is issued on form series LR477;
and Accelerated Death Benefit Endorsement for Terminal Illness is issued on form series LR466, and Accelerated Death Benefit
Endorsement - Chronic Illness is issued on form LR492, CA only are underwritten and issued by North American Company for Life
and Health Insurance, Administrative Office, One Sammons Plaza, Sioux Falls, SD 57193. Products, features, endorsements, riders
or issue ages may not be available in all jurisdictions. Limitations or restrictions may apply.
Indexed Universal Life products are not investments in the “market” or in the applicable index. They are subject to all policy fees and
charges normally associated with most universal life insurance.
THE S&P 500
COMPOSITE STOCK PRICE INDEX;
THE S&P Mid-Cap 400
COMPOSITE STOCK PRICE INDEX
These Indices do not include dividends paid by the underlying companies.
The S&P MidCap 400
and the S&P 500
Indices are products of S&P Dow Jones Indices LLC (“SPDJI”), and has been licensed for
use by North American Company for Life and Health Insurance (the Company). Standard & Poor’s
, S&P MidCap 400
are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones
is a registered trademark of
Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed
for certain purposes by the Company. The Company’s Product(s) are not sponsored, endorsed, sold or promoted by SPDJI, Dow
Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in
such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P MidCap 400
and S&P 500
The EURO STOXX 50
is the intellectual property of (including registered trademarks) STOXX Limited, Zurich, Switzerland and/or
its licensors (“Licensors”), which is used under license. The Index Accounts for this Product based on the Index are in no way
sponsored, endorsed, sold or promoted by STOXX and its Licensors and neither of the Licensors shall have any liability with respect
, NASDAQ-100 INDEX
are registered marks of the NASDAQ Stock Market Inc. (which with its
affiliates are the “Corporations”) and are licensed for use by North American Company for Life and Health Insurance Company. This
product has not been passed on by the Corporations as to their legality or suitability. This product is not issued, endorsed, sold or
promoted by the Corporations. THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO
THIS PRODUCT. THIS INDEX DOES NOT INCLUDE DIVIDENDS PAID BY THE UNDERLYING COMPANIES.
Frank Russell Company (“Russell”) is the source and owner of the trademarks, service marks and copyrights related to the Russell
is a trademark of Frank Russell Company. Neither Russell nor its licensors accept any liability for any errors or
omissions in the Russell Indexes and / or Russell ratings or underlying data and no party may rely on any Russell Indexes and / or
Russell ratings and / or underlying data contained in this communication. No further distribution of Russell Data is permitted without
Russell’s express written consent. Russell does not promote, sponsor or endorse the content of this communication.
These products are not sponsored, endorsed, sold or promoted by Russell Investments and Russell Investments makes no
representation regarding the advisability of purchasing this life insurance contract. Indexed Universal Life is not sponsored,
endorsed, sold or promoted by the S&P 500
, S&P MidCap 400
, EURO STOXX 50
or Russell 2000
, and they
make no representation regarding the advisability of purchasing this policy or investing in these products.
1. Subject to eligibility requirements. The death benefit will be reduced by the amount of the death benefit accelerated. Since benefits are paid
prior to death, a discount will be applied to the death benefit accelerated. As a result, the actual amount received will be less than the amount of
the death benefit accelerated. An administrative fee applies to each terminal and chronic election. There is no administrative fee for critical
illness. Critical benefit not available in Florida, California or Connecticut.
2. Some living benefits cannot be elected simultaneously. If the overloan protection benefit is elected, the accelerated death benefits and the
protected death benefit cannot be elected. If Policy has a Premium Guarantee Rider attached to it, such rider will be terminated upon the election
of the Protected Death Benefit. The Protected Death Benefit cannot be elected if the Over loan Protection Benefit is in effect.
Agents offering, marketing, or selling accelerated death benefits for chronic illness in California must be able
to describe the differences between benefits provided under an accelerated death benefit for chronic illness
and benefits provided under long-term care insurance to clients. You must provide clients with the ADBE
Consumer Brochure for California NAM-3013 that includes this comparison. Comparison is for solicitation
purpose only, not for conversions.