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What is North American’s ADDvantage Term…

Competitive guaranteed level premium Competitive guaranteed level premium term coverageterm coverage

The ADDvantage term life insurance policy is issued under policy form series LS143AMP. Not all products or features are available in all states.

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Issue Ages (age nearest)

TermTerm AgesAges

10 Yr 18-75

15Yr 18-70

20 Yr 18-65

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Rate Classes

• Super-Preferred NT

• Preferred NT

• Standard NT

• Preferred Tobacco

• Standard Tobacco

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Death Benefits

• Minimum death benefit is $100,000

• Banded Product = rate reduction at higher death benefits.– Band 1 = $100,000 - $249,999– Band 2 = $250,000 - $499,999– Band 3 = $500,000 and over

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Additional Features

• Policy fee of $65 (non-commissionable)

• Conversions - Allowed through the earlier of the level term period or age 70, but not less than 5 years.– Example = 20 Year Term, age 55. Able to convert up to

age 70

– Example = 15 Year Term, age 68. Able to convert up to age 73

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Term Riders

• Accelerated Benefit Endorsement• Waiver of Premium • Child Term Rider• Monthly Income Endorsement • Additional Insurance Option• Additional Insured Rider

The Accelerated Benefit Endorsement, Base Return of Premium, Waiver of Premium, Child Term Rider, and Monthly Income Endorsement are issued under rider form series LR352A, LR407A, LR409A, LRS-45A-1, and LR403A, respectively.

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ADDvantage Term

• Features you expect

• Riders that add value

• Competitively positioned

Take ADDvantage!!Take ADDvantage!!

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Sales Support For Help With: Product Specifications Product Selection Sales Concepts Web Site Software

Call: 1-800-800-3656, ext.10411