Underwriting & Product Overview
14
Accumulation IUL
Index universal life insurance. Not available for all agents.
See the For available index accounts and current rates, please see the Accumulation IUL Agent Guide
for complete product information.
Accumulation IUL Rate Sheet.
Carrier
North American Company for Life and Health Insurance
18 to 65 years (age last)
Issue age
$25,000–$2,000,000
Coverage amounts
up to $2M
Age 18–50
Max face amounts by age
Age 51–60
up to $1M
Age 61–65
up to $250K
States available
Not available in CA, OR and NY
Monthly, q uarterly, semi - annual and annual ACH
Payment options
80 % instant decision. Potential additional evidence ordered. Applicants not eligible for an instant I U L o ff er w ill be routed to manual under w riting or T ruStage ™ Advantage W hole Life.
U nder w riting criteria
Non-Tobacco Preferred Plus
Tobacco Preferred Standard Table B, C, D, E, F, H
U nder w riting classes
Preferred Standard Table B, C, D, E, F, H
F inancial & credit history
Health
V ehicle violations
Average customer profile
V alid license not suspended or revo k ed w ithin the last yea r
E xcellent / good health w ith fe w to no chronic conditions. Any existing chronic conditions are consistently w ell controlled and receive regular follo w- up care.
Please see the
G ood / fair / poor credit resulting in mid / high C B I score depending on age
for detailed knockout conditions. Accumulation IUL Knockout Guide
Ma j or violations : none w ithin 5 years
Replacements
U navailable
Included at no cost Accelerated Death Benefits for Critical, Chronic and Terminal Illness. Eligibility
Available at an additional cost Waiver of Monthly Deductions Flexible Benefit Rider Accidental Death Benefit Rider
Available riders & per ks
subject to underwriting. Protected Death Benefit Overloan Protection Benefit
See the
for details. Accumulation IUL
Agent Guide
Return of Premium Death Benefit Endorsement Life Perks Rider: Ethos estate planning toolkit (n/a in SD, WA, AK, and LA)
Made with FlippingBook - professional solution for displaying marketing and sales documents online