1 Click here to End Presentation What is North American’s ADDvantage Term… Competitive guaranteed level premium term coverage The ADDvantage term life insurance policy is issued under policy form series LS143AMP. Not all products or features are available in all states.

2 Click here to End Presentation Issue Ages (age nearest) TermAges 10 Yr Yr Yr18-65

3 Click here to End Presentation Rate Classes Super-Preferred NT Preferred NT Standard NT Preferred Tobacco Standard Tobacco

4 Click here to End Presentation 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

5 Click here to End Presentation 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

6 Click here to End Presentation 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.

7 Click here to End Presentation ADDvantage Term Features you expect Riders that add value Competitively positioned Take ADDvantage!!

8 Click here to End Presentation Sales Support For Help With:  Product Specifications  Product Selection  Sales Concepts  Web Site  Software Call: , ext.10411