1. Account Interest Multiplier is applied after interest credit or index credit is determined and before any interest bonus. It is not applied to the interest bonus or any portion of the Account Value that is Policy Debt or the Minimum Account Value. The multiplier is guaranteed on the index account, and conditionally guaranteed on the fixed account.

2. The current 1% interest bonus percentage is not guaranteed and subject to change; however, once a policy is issued, the percentage will not change. Interest bonus is contractually guaranteed on all indexed accounts, including those backing policy loans. The bonus is conditionally guaranteed on the fixed account. For standard policy loans the interest bonus is not applied to any loaned amount.

Indexed 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.

Builder Plus IUL (policy form series LS183) is issued by North American Company for Life and Health Insurance, Administrative Office, One Sammons Plaza, Sioux Falls, SD 57193. Products, features, riders, endorsement or issue ages may not be available in all jurisdictions. Restrictions or limitations may apply.