1. Subject to eligibility requirements. An administration fee is required at time of election of an accelerated death benefit. The face amount will be reduced by the accelerated death benefit amount. Since benefits are paid prior to death, a discount will be applied to the face amount accelerated. As a result, the actual amount received will be less than the amount of face amount accelerated.

2. Premiums are guaranteed to remain level for the initial 10, 15, 20, or 30-year period. After the premium guarantee period, premiums will increase annually but will never exceed the guaranteed Annual Renewal Premium.

3. Subject to the terms of the policy.

ADDvantage term is issued on policy form series LS174; Accelerated Death Benefit Endorsement for Term Life for Critical, Chronic, and Terminal Illness (form series LR508); Accelerated Death Benefit Endorsement for Term Life for Chronic and Terminal illness (form series LR507), and Accelerated Death Benefit Endorsement for Term Life for Terminal Illness (form series LR506), issued by North American Company for Life and Health Insurance, Administrative Office, One Sammons Plaza, Sioux Falls, SD 57193. Products, features, endorsements, riders, and issue ages may not be available in all jurisdictions. Limitations and restrictions may apply.