One size fits all?

Your clients deserve better. See how North American provides a tailored approach to death benefit protection, with a solution for many different client needs.

Annuity Maximization: Consumer video

Outliving retirement assets

Outliving retirement assets

Builder Plus IUL® 2
Death benefit protection with strong long‑term cash value accumulation potential
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Focused on guarantees

Focused on guarantees

Protection Builder IUL®
Long-term guaranteed death benefit1 with cash value accumulation potential
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Concerned about liquidity

Concerned about liquidity

Smart Builder IUL®
Ability to leverage money into a larger death benefit while maximizing liquidity
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Term with all the advantages

North American’s IUL products aren’t the only option to provide flexibility that meet your clients’ needs.

ADDvantage® Term offers:
  • Competitive pricing
  • Outstanding convertibility2 – converts to any one of our currently marketed permanent products, even the North American product your client already owns!
  • Critical, Chronic, and Terminal Illness Coverage*

*Only Terminal in CA

Life insurance for the living

Nearly all of North American’s products include the Accelerated Death Benefit Endorsement for Critical, Chronic, and Terminal Illness (CCT) for ZERO additional premium.3 Here are three reasons this benefit is more important than ever:
  • 2/3 of people who file bankruptcy say medical bills are a major reason for their financial distress.4
  • 90%: Chronic and mental health conditions make up 90% of health care expenses each year.5
  • 24%: Maximum chronic illness acceleration of 24% of death benefit on the initial election date up to $480,000 per election ($240,000 for CA).

CCT6 is different than you might expect. It’s not a reimbursement benefit. Your client can access a portion of the policy’s death benefit for a qualifying illness — and they can use it for any need.

Put North American's variety of options to work!

Contact your MGA or North American’s Sales Support to see how life insurance can be tailored to fit your client's real‑life needs.

North American Sales Support:

Start the conversation

Use these client-friendly videos to educate clients or prospects. To share, click the thumbnail below and then click the share button: . You will then have the option to select which social media account you would like to share the video to, as well as the option to email the video directly to a client.
What is IUL?
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1. Subject to premium payment requirements.


2. Subject to the terms of the new policy. Allowed during the level premium period of the policy, or policy age 75, whichever is earlier, (Age 70 for 30 year), but never less than five years, regardless of issue age.


3. An administration fee is required at time of election of an accelerated death benefit. The face amount will be reduced by the accelerated death benefit amount. Since benefits are paid prior to death, a discount will be applied to the face amount accelerated. As a result, the actual amount received will be less than the amount of face amount accelerated.


4. This is the real reason most Americans file for bankruptcy. CNBC. Feb 2019.


5. Source: Center for Disease Control. Retrieved June 13, 2019 from


6. Subject to eligibility requirements.


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 form that includes this comparison. Comparison is for solicitation purpose only, not for conversions.


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 Plus IUL 2 (policy form series LS183), Smart Builder (policy form series LS187), Protection Builder (policy form series LS186), ADDvantage Term (policy form series LS174), or state variation, including all applicable riders and endorsements, are issued by North American Company for Life and Health Insurance, Administrative Office, One Sammons Plaza, Sioux Falls, SD 57193. Products, features, riders, endorsements, or issue ages may not be available in all jurisdictions. Restrictions and limitations may apply.


Sammons FinancialSM is the marketing name for Sammons® Financial Group, Inc.’s member companies, including North American Company for Life and Health Insurance.® Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, North American for Life and Health Insurance.