Get case design support on your next Survivorship GIUL Indexed univeral life insurance case! Call (866) 939-9045 and North American’s Sales Support team will show you how Survivorship GIUL can help your clients meet future financial concerns.   Comprehensive death benefit protection covering two lives Survivor Premium Guarantee Rider that offers guaranteed death benefit protection up to age 1201 Waiver of Surrender Charge Option—with this option, surrender charges are waived in all years2 Return of Premium Death Benefit Option3 Several Index Options and Index Crediting Methods provide opportunity for cash value accumulation       Individuals Estate Planning Retirement Supplement Businesses Continuity Planning           Solid survivorship features including an Estate Preservation Rider and Survivorship Policy Split Exchange The Estate Preservation Rider provides an additional benefit amount to cover potential estate tax liability during the first four policy years. See marketing guide PR-1435 for details. The Survivorship Policy Split Exchange allows the policy to be split into two separate non-variable individual life insurance policies. See marketing guide PR-1435 for details. Strong cash-value accumulation opportunity with several index options and index crediting methods—new options include the S&P 500® Monthly Point-to-Point, the S&P MidCap 400® along with the Russell 2000®.       Issue Ages: Issue Ages are Determined on an Age Nearest Basis Issue Ages Super Preferred NT: 20-80 Standard NT: 20-90 Preferred NT: 20-85 Standard Tobacco: 20-90 Preferred Tobacco: 20-85 Survivorship GIUL uses a joint equal age calculation to combine the two insureds into a single joint equal age. The joint equal age is used for determining no-lapse guarantee premiums, target premiums, expense charges, surrender charges, endorsement and rider charges. North American’s illustration software automatically calculates the joint equal age and rates. Joint equal age limit for issue is 20-90. Minimum Face Amount: $200,000 Interest Rate on the Fixed Account: Guaranteed: 3% Underwriting Classes Super Preferred NT, Preferred NT, Standard NT, Preferred Tobacco and Standard Tobacco. No Lapse Guarantee Period: The no-lapse guarantee (NLG) period is based upon the age of the younger insured. The no-lapse guarantee periods below apply only when the Survivor Premium Guarantee Rider is not selected and the no lapse guarantee minimum premium is paid. (When the Survivor Premium Guarantee Rider is selected, the no lapse guarantee period is three years for all issue ages.) Age NLG Period 20-50 20 years 51-65 To age 70 66-90 5 years     Call Sales Support at (866) 939-9045 or email at salessupport@nacolah.com to help your clients meet future financial needs.     North American Company nor its agents give tax advice. Please advise your customers to consult with and rely on a qualified legal or tax advisor before entering into or paying additional premiums with respect to such arrangements. 1. Subject to premium payment requirements. 2. Waiver of Surrender Charge Option is not available with the Survivor Premium Guarantee Rider. In Florida, there are no surrender charges for 1035 exchanges. 3. Not available with the Survivor Premium Guarantee Rider. Please refer to the Survivorship GIUL marketing guide, PR-1435 and the Builder IUL Series marketing guide, PR-1275 for complete product details. Survivorship GIUL is issued on policy form series LS171 without the Waiver of Surrender Charge and policy form series LS171W with the Waiver of Surrender Charge. Accelerated Benefit Endorsement for Chronic Illness and Terminal Illness is issued on form series LR463, Accelerated Benefit Endorsement for Terminal Illness is issued on form series LR464, Survivor Premium Guarantee Rider is issued on form series LR460, Estate Preservation Rider is issued on form series LR461, and Survivorship Policy Split Exchange Endorsement is issued on form series LR462, by North American Company for Life and Health Insurance, Executive Office, Chicago, IL 60607. Products, features, issue ages, endorsements or riders may not be available in all jurisdictions. Limitations or restrictions may apply. Index 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. “Standard & Poor’s®”, “S&P®”, “S&P MidCap 400®”, “S&P 500®”, “Standard & Poor’s 500®”, “Standard & Poor’s 400®”, “400” and “500” are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by North American Company for Life and Health Insurance. Russell 2000® Index is a trademark of Frank Russell Company and has been licensed for use by North American Company for Life and Health Insurance. The Survivorship GIUL index universal life is not sponsored, endorsed, sold or promoted by the S&P 500®, S&P MidCap 400®, and Russell 2000®, and they make no representation regarding the advisability of purchasing this contract or investing in this product. FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. PR-1447 12/09