North American will soon be launching Smart Builder, an exciting new indexed universal life insurance product that can help empower your clients to do more with their life insurance.
Leverage and Legacy
Leverage a single premium into a larger legacy
With Liquidity to boot
0% premium load and 0% surrender charge (when the Waiver of Surrender Charge Option Rider1 is selected) for strong, accessible early cash value performance 
Plus… critical, chronic, and terminal illness coverage for zero extra premium!2 

This product may not only be great news for your clients, but it could be great news for you as well. Smart Builder offers new commission options that can help give you further control over how you get paid.
Eager to learn more about Smart Builder?
Stay tuned for more to come. 
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1. The Waiver of Surrender Charge Option Rider is not available in California.
2. Subject to eligibility requirements. An administration fee is required at time of election of an accelerated death benefit. 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.
Indexed Universal Life insurance 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.
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 that includes this comparison. Comparison is for solicitation purpose only, not for conversions.
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 Company for Life and Health Insurance. 
Smart Builder (policy form series LS187), Waiver of Surrender Charge Option Rider (from series LR479) and all applicable endorsements and riders are issued by North American Company for Life and Health Insurance, Administrative Office, One Sammons Plaza, Sioux Falls, SD 57193. Product, features, endorsements, riders or issue ages may not be available in all jurisdictions. Limitations or restrictions may apply.
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