● Retirement Supplement – The indexed UL structure offers the opportunity to grow strong cash value accumulations.

● 1035 Exchanges – May dramatically improve a client’s projected performance in building cash value or death benefit value.

● Starter Policy – Makes a nice gift for a grandchild and would establish a level of death benefit protection to carry into adulthood along with an opportunity for cash value growth that may be used for a variety of needs.

● Cash Value Accumulation – Opportunity to generate high cash values with several index selections.

● Interest Bonus – Provides clients with a guaranteed interest bonus of 0.75% effective in years 11+ on the index account (conditionally guaranteed on the fixed account) to help generate long term cash value growth.2

● Maximum Loan – For illustrations use variable interest rate loans (rather than withdrawals to cost basis) for competitive scenarios.

● Short Pay & Maximum Funded Scenarios – Highly competitive cash value accumulation and income performance for short pay and pay-to-age 65.

1. Premium allocated to index bucket on trading day, upon receipt.2. Interest bonus is conditionally guaranteed on the fixed account. For the conditional guarantee, interest bonus may be earned when we declare a cur-rent interest rate that exceeds the guaranteed interest rate. Interest Bonus percentages are not guaranteed and subject to change. Interest bonus is not applied to loaned funds.

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

Indexed 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.

Builder IUL is issued on policy form series LS172, Accelerated Death Benefit Endorsement for Chronic Illness and Terminal Illness is issued on form series LR465, Accelerated Death Benefit Endorsement for Terminal Illness is issued on form series LR466, by North American Company for Life and Health Insur-ance, Executive Office, Chicago, IL 60607. Product, features, issue ages, endorsements or riders may not be available in all jurisdictions. Limitations or restrictions may apply.

FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. PR-1263 R1 5/10

Key Product Design Features

Product Strengths

Marketable Opportunities

Indexed Universal Life Insurance To Help Accelerate Your Sales

Executive Office525 W Van BurenChicago, IL 60607

HeLp YoUr CLIenTS BUILd endUrIng FInAnCIAL proTeCTIon

Aim to sell an extra Builder IUL case each month.

To get started, contact Sales Development today at (800) 800-3656, ext. 10411 or email at salessupport@nacolah.com.

● Several Index Selections – Provide an opportunity for significant cash value accumulation. In addition, there are daily index sweeps1, annual index selections, and no funds are required in the fixed account.

● Accelerated Death Benefit Endorsements – Two endorsements are available to help financially protect the insured should an unexpected illness arise. Terminal illness benefits are available on all cases. Chronic illness benefits are also available, subject to age and rate class limitations.

● Variable Interest Rate Loans – Offer compelling income potential for the client. Available in the second policy year.

● Guidelines Premium Test or Cash Value Accumulation Test – CVAT allows policy-funding options that are not possible with the guideline premium test.

● Zero Cost Loans (ZCL) – Available with standard loans starting in policy year six on 100% of the loan value. ZCLs are loans charged and credited at 3% for a net zero cost.