Life insurance products are issued by
North American Company for Life and Health Insurance®

Gain more control over market volatility

If the volatility of the market makes you nervous, you’re not alone. While you can’t control how the market performs, you also don’t have to subject your money to an amusement park ride in order to protect your family.
North American's Builder Plus 3 offers eight different index options to help you control how your life insurance performs. One of these index options is the Fidelity Multifactor Yield IndexSM 5% ER, which can help you gain more control over market volatility. Supported by years of academic research and empirical data, six equity factor indices were combined to create the Fidelity index with the goal to:
Enhance returns
Manage risk
Target specific outcomes
How does it perform?
The Fidelity index can help create a smoother ride on the road to retirement by limiting volatility for more consistent returns over time.
Interest bonuses
Builder Plus 3 offers interest bonus opportunities, depending on how long your policy has been in force, to enhance the potential to earn even stronger cash value over the years of your policy.

Starting in policy year one, two interest bonuses are available:

Currently offers a 1.65% bonus, guaranteed to never be less than 0.50%, on funds allocated to the Fidelity Multifactor Yield Index 5% ER
Currently offers a 2.00% bonus, guaranteed to never be less than 0.50%, on loaned money using a Fixed Interest Participating Policy Loan. This bonus helps your policy continue to accrue cash value, even when funds are being loaned. Please note, loaned money using the Fixed Interest Participating Policy Loan will not receive any other bonuses. No other loan types receive an interest bonus.

Starting in years 11+

Currently offers a 2.65% bonus, guaranteed to never be less than 0.50%, on funds allocated to the Fidelity Multifactor Yield Index 5% ER
Currently offers a 1.00% bonus, guaranteed to never be less than 0.50%, available on the index account and fixed account value (not applied to funds allocated to the Fidelity index)

Talk to your financial professional about including Builder Plus 3 in your portfolio to help control market volatility.

Conditionally Guaranteed Interest Bonus on Fixed Account - If we are crediting interest in excess of the guaranteed interest rate and your client’s policy is in effect after the 10th policy anniversary, your client’s policy will receive an Interest Bonus. The current Interest Bonus is 1.0% above the then current interest rate. The Interest Bonus percentages are not guaranteed and subject to change; however, once a policy is issued, the guaranteed percentage will not change. This bonus is not applied to any loaned amount.


The net cost of a Fixed Interest Participating Policy Loan could be negative if the credits earned are less than the interest charged. The net cost of the loan could also be larger than under standard policy if the amount credited is less than the interest charged. In the extreme example, the amount credited could be zero and the net cost of the loan would equal the maximum interest rate charged less any guaranteed bonus. In brief, fixed interest participating policy loans have more uncertainty than standard policy loans in the interest rate credited.