Product Wizard Start PR /12FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. 1

1. Subject to premium payment requirements. 2. Available for an additional charge per $1,000 per month, depending on issue age and underwriting class. 3. When a person applies for life insurance coverage, his or her health is evaluated and a corresponding underwriting rating is applied. This product’s table shaving features allow certain substandard underwriting rates (known as "table ratings") to be improved to a "standard" rating. A "standard" rating generally indicates average health and involves a lower life insurance premium than do substandard ratings. Please refer to the current marketing guides for complete product details: ADDvantage (PR-875), Custom Guarantee (PR-651), Custom TermGUL (PR-1166), Custom GrowthCV (PR-1130), Survivorship GIUL ( PR-1435), Builder IUL Series (PR-1275). ADDvantage plans are issued on policy form series LS143AMP; Builder IUL is issued on policy form series LS172, Custom Guarantee is issued on policy form series LS170; Custom GrowthCV is issued on policy form series LS166, Custom TermGUL is issued on policy form series LS167; Guarantee Builder IUL is issued on policy form series LS175, Rapid Builder IUL is issued on policy form series LS169, 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; Premium Guarantee Rider is issued on form series LR452, Waiver of Surrender Charge Endorsement is issued on form series LR417A, Survivor Premium Guarantee Rider is issued on form series LR460; by North American Company for Life and Health Insurance, Administrative Office, Sioux Falls, SD 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. 2 Go!

When you see the “i” button click it for more info! Click here to get started or return “HOME”! PR /12FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. 3

Stated Need Stated Need Stated Need Stated Need Sales Concept Sales Concept Sales Concept Sales Concept PR /12FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. 4

Guaranteed death benefit 1 Guaranteed death benefit Low-cost assumption Long-term accumulation Early cash-value access Second-to-die Guaranteed death benefit 1 Guaranteed death benefit Low-cost assumption Long-term accumulation Early cash-value access Second-to-die PR /12FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. 5

Policy Review Supplemental Retirement Income Supplemental Retirement Income Legacy Building/Wealth Transfer Legacy Building/Wealth Transfer Annuity Max Policy Review Supplemental Retirement Income Supplemental Retirement Income Legacy Building/Wealth Transfer Legacy Building/Wealth Transfer Annuity Max Pension Max Buy-Sell Key Person Executive Bonus Estate Planning College Funding PR /12FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. 6

Low cost, no cash value accumulation Guaranteed death benefit (DB) 1 with potential cash value accumulation Guaranteed death benefit (DB) 1 with potential cash value accumulation Low cost, no cash value accumulation Guaranteed death benefit (DB) 1 with potential cash value accumulation Guaranteed death benefit (DB) 1 with potential cash value accumulation PR /12FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. 7

ADDvantage Term® – term life insurance - shorter, specific duration ADDvantage Term® Custom Guarantee ® – universal life insurance - permanent coverage up to age Custom Guarantee ® ADDvantage Term® – term life insurance - shorter, specific duration ADDvantage Term® Custom Guarantee ® – universal life insurance - permanent coverage up to age Custom Guarantee ® PR /12FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. 8

Custom TermGUL® – universal life insurance - moderate cash value growth Custom TermGUL® Guarantee Builder IUL® – indexed universal life insurance (IUL) - strong cash value potential Guarantee Builder IUL® Survivorship GIUL – IUL - 2 nd to die, strong cash value potential Survivorship GIUL Custom TermGUL® – universal life insurance - moderate cash value growth Custom TermGUL® Guarantee Builder IUL® – indexed universal life insurance (IUL) - strong cash value potential Guarantee Builder IUL® Survivorship GIUL – IUL - 2 nd to die, strong cash value potential Survivorship GIUL PR /12FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. 9

Custom TermGUL® – universal life insurance - fixed UL Custom TermGUL® Builder IUL® – indexed universal life insurance Builder IUL® Custom TermGUL® – universal life insurance - fixed UL Custom TermGUL® Builder IUL® – indexed universal life insurance Builder IUL® PR /12FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. 10

Builder IUL® – IUL, strong cash value accumulation assumptions Builder IUL® Rapid Builder IUL® – indexed UL, early cash value access Rapid Builder IUL® Guarantee Builder IUL® – indexed UL, guaranteed DB with cash value accumulation Guarantee Builder IUL® Custom GrowthCV® – fixed UL, early access to cash value Custom GrowthCV® Custom TermGUL® – fixed UL, lowest cost Custom TermGUL® Survivorship GIUL – second to die IUL Survivorship GIUL Builder IUL® – IUL, strong cash value accumulation assumptions Builder IUL® Rapid Builder IUL® – indexed UL, early cash value access Rapid Builder IUL® Guarantee Builder IUL® – indexed UL, guaranteed DB with cash value accumulation Guarantee Builder IUL® Custom GrowthCV® – fixed UL, early access to cash value Custom GrowthCV® Custom TermGUL® – fixed UL, lowest cost Custom TermGUL® Survivorship GIUL – second to die IUL Survivorship GIUL PR /12FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. 11

Rapid Builder IUL – indexed UL with Waiver of Surrender Charge Rider 2 Rapid Builder IUL Custom GrowthCV – fixed UL with Waiver of Surrender Charge Option 2 Custom GrowthCV Survivorship GIUL – Second-to-die, IUL with Waiver of Surrender Charge Option 2 Survivorship GIUL Rapid Builder IUL – indexed UL with Waiver of Surrender Charge Rider 2 Rapid Builder IUL Custom GrowthCV – fixed UL with Waiver of Surrender Charge Option 2 Custom GrowthCV Survivorship GIUL – Second-to-die, IUL with Waiver of Surrender Charge Option 2 Survivorship GIUL PR /12FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. 12

Custom Guarantee – low cost guaranteed DB 1 Custom Guarantee Guarantee Builder IUL – guaranteed DB 1 with strong cash value accumulation potential Guarantee Builder IUL Builder IUL – non-guaranteed DB with strong cash value accumulation potential Builder IUL Rapid Builder IUL – non-guaranteed DB with early cash value access Rapid Builder IUL Custom Guarantee – low cost guaranteed DB 1 Custom Guarantee Guarantee Builder IUL – guaranteed DB 1 with strong cash value accumulation potential Guarantee Builder IUL Builder IUL – non-guaranteed DB with strong cash value accumulation potential Builder IUL Rapid Builder IUL – non-guaranteed DB with early cash value access Rapid Builder IUL PR /12FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. 13

Builder IUL – strong, long-term cash value accumulation potential Builder IUL Guarantee Builder IUL – strong potential cash value accumulation with a death benefit guarantee 1 Guarantee Builder IUL Rapid Builder IUL – early access to surrender value with Waiver of Surrender Charge Rider 2 Rapid Builder IUL Custom GrowthCV – fixed UL alternative, conservative assumptions, also has Waiver of Surrender Charge Option 2 Custom GrowthCV Survivorship GIUL – strong potential cash value accumulation, second-to-die policy Survivorship GIUL Builder IUL – strong, long-term cash value accumulation potential Builder IUL Guarantee Builder IUL – strong potential cash value accumulation with a death benefit guarantee 1 Guarantee Builder IUL Rapid Builder IUL – early access to surrender value with Waiver of Surrender Charge Rider 2 Rapid Builder IUL Custom GrowthCV – fixed UL alternative, conservative assumptions, also has Waiver of Surrender Charge Option 2 Custom GrowthCV Survivorship GIUL – strong potential cash value accumulation, second-to-die policy Survivorship GIUL PR /12FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. 14

Custom Guarantee – strong guaranteed DB 1 Custom Guarantee Guarantee Builder IUL – strong guaranteed DB 1 with cash value accumulation potential Guarantee Builder IUL Custom TermGUL – with Premium Guarantee Rider (PGR) – guaranteed DB 1 with conservative cash value accumulation Custom TermGUL Builder IUL – indexed universal life insurance Builder IUL Custom Guarantee – strong guaranteed DB 1 Custom Guarantee Guarantee Builder IUL – strong guaranteed DB 1 with cash value accumulation potential Guarantee Builder IUL Custom TermGUL – with Premium Guarantee Rider (PGR) – guaranteed DB 1 with conservative cash value accumulation Custom TermGUL Builder IUL – indexed universal life insurance Builder IUL PR /12FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. 15

Custom Guarantee – strong guaranteed DB 1 Custom Guarantee Guarantee Builder IUL – guaranteed DB 1 plus cash value accumulation potential Guarantee Builder IUL Custom GrowthCV – fixed UL for a “tentative” annuity maximization client, non-guaranteed DB, but Waiver of Surrender Charge Option 2 for early access to cash value Custom GrowthCV Rapid Builder IUL – Indexed UL for “tentative” annuity maximization client, non-guaranteed DB, but Waiver of Surrender Charge Rider 2 for early access to cash value Rapid Builder IUL Custom Guarantee – strong guaranteed DB 1 Custom Guarantee Guarantee Builder IUL – guaranteed DB 1 plus cash value accumulation potential Guarantee Builder IUL Custom GrowthCV – fixed UL for a “tentative” annuity maximization client, non-guaranteed DB, but Waiver of Surrender Charge Option 2 for early access to cash value Custom GrowthCV Rapid Builder IUL – Indexed UL for “tentative” annuity maximization client, non-guaranteed DB, but Waiver of Surrender Charge Rider 2 for early access to cash value Rapid Builder IUL PR /12FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. 16

Custom Guarantee – fixed UL guaranteed DB, 1 most DB for the dollar, no cash value accumulation Custom Guarantee Guarantee Builder IUL – indexed UL, strong guaranteed DB 1 with strong cash value accumulation for future flexibility Guarantee Builder IUL Custom Guarantee – fixed UL guaranteed DB, 1 most DB for the dollar, no cash value accumulation Custom Guarantee Guarantee Builder IUL – indexed UL, strong guaranteed DB 1 with strong cash value accumulation for future flexibility Guarantee Builder IUL PR /12FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. 17

Custom GrowthCV – DB with early cash value using Waiver of Surrender Charge Option 2 with table shave component 3 Custom GrowthCV Rapid Builder IUL - DB with early cash value using Waiver of Surrender Charge Rider 2 with table shave component 3 Rapid Builder IUL Custom GrowthCV – DB with early cash value using Waiver of Surrender Charge Option 2 with table shave component 3 Custom GrowthCV Rapid Builder IUL - DB with early cash value using Waiver of Surrender Charge Rider 2 with table shave component 3 Rapid Builder IUL PR /12FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. 18

ADDvantage Term – low-cost coverage, guaranteed specified duration* ADDvantage Term Custom Guarantee – guaranteed no-lapse DB to age Custom Guarantee Guarantee Builder IUL – guaranteed no-lapse DB to age 120, 1 index UL with cash value accumulation potential Guarantee Builder IUL ADDvantage Term – low-cost coverage, guaranteed specified duration* ADDvantage Term Custom Guarantee – guaranteed no-lapse DB to age Custom Guarantee Guarantee Builder IUL – guaranteed no-lapse DB to age 120, 1 index UL with cash value accumulation potential Guarantee Builder IUL PR /12FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. 19 *After the level premium guarantee period, premiums will increase annually, but will never exceed the maximum annual premium shown in the policy.

Builder IUL – strong, long-term cash value accumulation potential Builder IUL Rapid Builder IUL – indexed UL, strong cash value accumulation with early cash value access via the Waiver of Surrender Charge Rider 2 Rapid Builder IUL Custom GrowthCV – fixed UL, conservative cash value accumulation with early cash value access via the Waiver of Surrender Charge Option 2 Custom GrowthCV Builder IUL – strong, long-term cash value accumulation potential Builder IUL Rapid Builder IUL – indexed UL, strong cash value accumulation with early cash value access via the Waiver of Surrender Charge Rider 2 Rapid Builder IUL Custom GrowthCV – fixed UL, conservative cash value accumulation with early cash value access via the Waiver of Surrender Charge Option 2 Custom GrowthCV PR /12FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. 20

Survivorship GIUL – second–to-die policy, optional Survivor Premium Guarantee Rider (SPGR) for guaranteed DB, optional Waiver of Surrender Charge Option 2 (not available if the SPGR is selected) Survivorship GIUL Custom Guarantee – single life guaranteed DB 1 fixed UL Custom Guarantee Survivorship GIUL – second–to-die policy, optional Survivor Premium Guarantee Rider (SPGR) for guaranteed DB, optional Waiver of Surrender Charge Option 2 (not available if the SPGR is selected) Survivorship GIUL Custom Guarantee – single life guaranteed DB 1 fixed UL Custom Guarantee PR /12FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. 21

Builder IUL – strong DB and cash accumulation for “book-end” sales concept – the policy could help pay for educational expenses whether or not the parents experience a premature death or not. Builder IUL Builder IUL – strong DB and cash accumulation for “book-end” sales concept – the policy could help pay for educational expenses whether or not the parents experience a premature death or not. Builder IUL PR /12FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. 22 College Funding: The primary purpose of life insurance is to provide a death benefit to beneficiaries. Because of the uncertainty surrounding all funding options except savings, it is critical to encourage your clients to make personal savings the cornerstone of your clients’ college funding program. However, even a well-conceived savings plan can be vulnerable. Should your clients die prematurely, their savings plan could come to an abrupt end. To protect against this unexpected event, life insurance may be the only vehicle that can help assure the completion of a funding plan. In addition to the financial protection aspect of insurance, the tax- deferred buildup of cash values can be part of your clients’ college savings plan. Generally, if the policy is not a Modified Endowment Contract then tax-free withdrawals can be made up to the contract's cost basis. Moreover, if the policy is not a Modified Endowment Contract, then loans in excess of the cost basis are also tax free as long as the policy remains in force.

Premium guarantee periods of 10, 15, 20, & 30 years* Common uses: – Family income replacement – Starter policy with intent to convert to permanent** – Key Person coverage Premium guarantee periods of 10, 15, 20, & 30 years* Common uses: – Family income replacement – Starter policy with intent to convert to permanent** – Key Person coverage PR /12FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. 23 *After the level premium guarantee period, premiums will increase annually, but will never exceed the maximum annual premium shown in the policy. ** Allowed during the level premium period of the policy, or through age 69 (whichever is earlier) but never less than five years.

Low cost guaranteed DB, 1 no accumulation Common uses: – Lifetime Guaranteed DB 1 – Policy Review – Conversions – Key Person – Annuity Maximization – Wealth Transfer/Legacy Building Low cost guaranteed DB, 1 no accumulation Common uses: – Lifetime Guaranteed DB 1 – Policy Review – Conversions – Key Person – Annuity Maximization – Wealth Transfer/Legacy Building PR /12FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. 24

Low cost current assumption Optional Premium Guarantee Rider – Guaranteed DB 1 with accumulation potential Common uses: – Guaranteed DB 1 with flexibility, exit strategy – Starter policy, low-cost projection (without PGR) – Policy Review Low cost current assumption Optional Premium Guarantee Rider – Guaranteed DB 1 with accumulation potential Common uses: – Guaranteed DB 1 with flexibility, exit strategy – Starter policy, low-cost projection (without PGR) – Policy Review PR /12FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. 25

Fixed UL cash value accumulation vehicle Waiver of Surrender Charge Option 2 – with table shave component 3 (Table 3 to Standard) Common uses: – Policy rescue (w/ Waiver of Surrender Charge Option) – Supplemental retirement income – Buy-Sell – Annuity maximization Fixed UL cash value accumulation vehicle Waiver of Surrender Charge Option 2 – with table shave component 3 (Table 3 to Standard) Common uses: – Policy rescue (w/ Waiver of Surrender Charge Option) – Supplemental retirement income – Buy-Sell – Annuity maximization PR /12FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. 26

DB with strong cash value accumulation potential Common uses: – Supplemental retirement income – Low cost starter policy – Policy review – accumulation performance – Current assumption for wealth transfer/legacy building DB with strong cash value accumulation potential Common uses: – Supplemental retirement income – Low cost starter policy – Policy review – accumulation performance – Current assumption for wealth transfer/legacy building PR /12FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. 27

Early cash value accumulation IUL Waiver of Surrender Charge Rider 2 – with table shave component 3 (Table 3 to Standard) Common uses: – Policy rescue (w/ Waiver of Surrender Charge Rider) – Shorter term cash value accumulation – Supplemental retirement income – Buy-Sell Early cash value accumulation IUL Waiver of Surrender Charge Rider 2 – with table shave component 3 (Table 3 to Standard) Common uses: – Policy rescue (w/ Waiver of Surrender Charge Rider) – Shorter term cash value accumulation – Supplemental retirement income – Buy-Sell PR /12FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. 28

No-lapse guaranteed DB 1 with strong cash value accumulation potential Common Uses: – Guaranteed DB with flexibility, exit strategy – Supplemental retirement income – Policy review – Key person – Annuity maximization – Wealth transfer/legacy building No-lapse guaranteed DB 1 with strong cash value accumulation potential Common Uses: – Guaranteed DB with flexibility, exit strategy – Supplemental retirement income – Policy review – Key person – Annuity maximization – Wealth transfer/legacy building PR /12FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. 29

Second-to-die IUL policy Optional guaranteed DB 1 w/ Survivor Premium Guarantee Rider (SPGR) Strong cash accumulation potential Common uses: – Estate planning (w/ SPGR) – Supplemental retirement income Second-to-die IUL policy Optional guaranteed DB 1 w/ Survivor Premium Guarantee Rider (SPGR) Strong cash accumulation potential Common uses: – Estate planning (w/ SPGR) – Supplemental retirement income PR /12FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. 30