1. Legacy Building with North American Company for Life and Health Insurances Custom Guarantee ® Universal Life Insurance

2. Luke Cosme Sales Vice President North American Company

3. DISCLOSURES These disclosures apply to this presentation in its entirety. 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 Death benefit guarantees are subject to premium payment requirements. Tax consequences may result if withdrawals exceed premiums paid into the policy. Policy loans from life insurance policies generally are not subject to income tax, provided the contract is not a Modified Endowment Contract, as defined by Section 7702 of the Internal Revenue Code. A policy loan or withdrawal from a life insurance policy that is a Modified Endowment Contract is taxable upon receipt. Policy loans and withdrawals will reduce cash value and death benefit. Policy loans are subject to interest charges. Tax advantages may be subject to modified endowment contract rules, which may cause taxes and penalties. Tax advantages may be subject to the Alternative Minimum Tax, which may cause taxes and penalties. Income and growth on accumulated cash values is generally taxable only upon withdrawal. Adverse tax consequences may result if withdrawals exceed premiums paid into the policy. North American Company for Life and Health Insurance does not give legal or tax advice. Please advice 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. Please refer to the Custom Guarantee marketing guide (PR-651 R5) for complete product details. Custom Guarantee is issued on policy form series LS170, Chronic Illness Accelerated Benefit Rider is issued on form series LR450A; by North American Company for Life and Health Insurance, Executive Office, Chicago, IL 60607. Product, features, riders, endorsement or issue ages may not be available in all jurisdictions. Restrictions and limitations may apply.

4. Make This Meeting Valuable Take notes Think of your own clients and how life insurance can help them – Age 55-75 – Children/Grandchildren – Financially secure

5. Legacy Building Single-premium asset transfer into a life insurance policy Larger death benefit for heirs/charity

6. Legacy Building - Tips Life insurance death benefit sole objective Life insurance death benefit guarantees important

7. Legacy Building Any significant assets? If so, ask: – What are those funds for? Assets are potentially: – Assets without defined need – Assets already intended for heirs/charity

8. Legacy Building Case Study 65 female, Standard Non-Tobacco $50,000 asset transfer

9. The information presented is hypothetical and not intended to project investment results. Illustration is not complete unless all pages are included. Current interest rates are not guaranteed and are subject to change. North American Companys Custom Guarantee

10. To run Insmark Illustration Insmark Insmark presentation program (version 14)

11. Life expectancy age 85.8 The information presented is hypothetical and not intended to project investment results. Illustration is not complete unless all pages are included.

12. Insmark presentation program (version 14) Female, age 65, Standard Non-Tobacco

15. Living Needs Insured becomes chronically ill? Additional access to benefits

16. With North Americans Chronic Illness Accelerated Benefit Rider, we give additional control back to your client. THIS IS NOT LONG TERM CARE INSURANCE, NOR IS IT INTENTED TO REPLACE LONG TERM CARE INSURANCE

17. Chronic Illness Accelerated Benefit Rider (CIABR) No additional cost at issue 1,2 No additional underwriting requirements Automatically included at issue to eligible policies, subject to eligibility requirements Accelerated Benefits Summary and Disclosure Statement (L-3178) with application Available on new universal life sales – Up to age 75 – Up to table 4 risk or better (not available on medical flat extra) – Available for conversions with satisfactory evidence of insurability 1.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. 2. An administrative fee is required at the time of election.

18. CIABR Qualification Permanently unable to perform 2 of the 6 Activities of Daily Living (ADLs ) or severe cognitive impairment requiring substantial supervision Bathing Continence Dressing Eating Toileting Transferring

19. CIABR Qualification Physician certification within the last 12 months of chronic illness 90-day elimination period Complete election of benefits form (L-3180)

20. CIABR Benefits – One election every 12 months – Maximum per election is lesser of 24% of death benefit or $240,000 – Minimum per election is lesser of 5% of death benefit or $75,000 – Amount client receives is reduced from the death benefit accelerated. Approximation is the age as a percentage: Age 75 at Election = Payment roughly 75% of death benefit

21. CIABR Benefits – $200 administration fee per election (may vary per state) – Amount client receives is adjusted for expected mortality under chronic illness tables – Lapse checking suspended during elections or when over 50% of death benefit accelerated

22. Make This Meeting Valuable Think of your own clients Write down sales opportunities Call with questions – Product – Sales Ideas – Software Take action NOW

23. Sales Development 1-800-800-3656, ext. 10411 salessupport@nacolah.com