1 FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. Click to End Presentation Indexed Universal Life Insurance

2 FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. Click to End Presentation Basics Issue Ages (15 days – 75) Minimum Face = $25,000 5 Rate Classes: –Super Preferred NT, Preferred NT, Standard NT, Preferred TB, Standard TB Banding <$100,000 and $100,000+ No Lapse Guarantee Period –Issue ages 0-54; Earlier of 20 yrs or to age 70 –Issue ages 55+; 15 yrs

3 FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. Click to End Presentation Basics Signed Illustration Required Target Premium –2-year rolling target –No target caps!

4 FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. Click to End Presentation S&P 500 DJIA DJES50 Multi-Index NASDAQ S&P 400 Russell 200 Index Options

5 FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. Click to End Presentation Index Crediting Methods Point-to-point Daily Averaging Plus… Annual selections Annual Resets

6 FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. Click to End Presentation Other index and interest features Alternate Account Value Daily allocation to Index Selections on trading day upon receipt Fixed Account –Interest credited monthly –ZERO premium is required to be put into fixed account!

7 FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. Click to End Presentation Variable Loan Maximum 10% –Illustrated at 5.6% –Updated quarterly Available after first policy year

8 FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. Click to End Presentation Life Insurance Premium Test Chosen at issue and cannot be changed. GPT = Guideline Premium Test CVAT = Cash Value Accumulation Test

9 FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. Click to End Presentation Current Available Riders and Benefit Endorsements Accidental Death Benefit Accelerated Benefit Endorsement –Terminal Illness/Chronic Illness ABE Combo Children’s Term Rider Overloan Protection Benefit Protected Death Benefit Waiver of Monthly Deductions Rider

10 FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. Click to End Presentation Sales Support For Help With:  Product Specifications  Product Selection  Sales Concepts  Web Site  Software Call: , ext.10411

11 FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. Click to End Presentation Disclosures Builder IUL is issued on policy form series LS172 or state variation, Accelerated Benefit Endorsement is issued on form LR352A, Accidental Death Benefit Rider is issued on form LR370A, Additional Insured Rider is issued on form LR371A, Children’s Term Rider is issued on form LR372A, Chronic Illness Benefit Rider (Accelereated Benefit Rider for Continuous Confinement in MN) is issued on form series LR450A; No-Lapse Guarantee Rider is issued on form series LR436A, Paid Up Protection Rider (Life Protection Rider in TX) is issued on form LR419A, Protected Pour In Rider is issued on form LR418A, Waiver of Monthly Deductions Rider is issued on form LR416A and Waiver of Surrender Charge Endorsement is issued on form LR417A or state variations,by North American Company for Life and Health Insurance, Chicago, IL, Products, features, issue ages or riders may not be available in all jurisdictions. Limitations or restrictions may apply. “Standard & Poor's®”, “S&P®”, “S&P 500®”, “Standard & Poor’s 500”, “500” are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by North American Company for Life and Health. “Dow Jones” and “DOW JONES INDUSTRIAL AVERAGE SM (DJIA SM ) COMPOSITE STOCK PRICE INDEX” are service marks of Dow Jones & Company, Inc. and have been licensed for use for certain purposes by North American Company for Life and Health. The Dow Jones EURO STOXX 50® is the intellectual property of (including registered trademarks) STOXX Limited, Zurich, Switzerland and/or Dow Jones & Company, Inc., a Delaware corporation, New York, USA, (the "Licensors"), which is used under license. The securities based on the Index are in no way sponsored, endorsed, sold or promoted by the Licensors and neither of the Licensors shall have any liability with respect thereto.The NASDAQ-100®, NASDAQ-100 INDEX® and NASDAQ® are registered marks of the NASDAQ Stock Market Inc. (which with its affiliates are the “Corporations”) and are licensed for use by North American Company for Life and Health. This product has not been passed on by the Corporations as to their legality or suitability. This product is not issued, endorsed, sold or promoted by the Corporations. THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THIS PRODUCT. THIS INDEX DOES NOT INCLUDE DIVIDENDS PAID BY THE UNDERLYING COMPANIES. The Builder IUL from North American Company for Life and Health Insurance is not sponsored, endorsed, sold or promoted by Standard & Poor’s®, Dow Jones or NASDAQ® and Standard & Poor’s®, Dow Jones and NASDAQ® make no representation regarding the advisability of purchasing this contract or investing in this product. 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.