Introducing North American’s Smart Builder, an exciting new indexed universal life insurance product that could be the missing piece in your client’s financial strategy.
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 potential 
Plus… critical, chronic, and terminal illness coverage for zero extra premium!2
Could Smart Builder be your client's next smart move?
Get started to learn more.
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1. The Waiver of Surrender Charge Option Rider is not available in California. Available for an additional charge per $1,000 per month, depending on issue age and underwriting class. Surrender charges will be waived upon a full surrender or partial surrender. Surrender charges will not be waived if the policy is surrendered under a 1035 Exchange (except in Florida). A decrease charge will be assessed if a reduction in the policy face amount is requested during the Waiver of Surrender Charge Period. However, if a partial withdrawal results in a reduction of the face amount, the withdrawal charge is waived. 
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 (form series LR479) or state variations 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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