Sahara client brochure | DRAFT 051625

References: Builder Plus IUL 4 Consumer brochure Ethos IUL Client Brochure Accumulation IUL Supplemental Illustration (not final, wireframes only) Rider spec:

1. Updated Accelerated Death Benefit Endorsement Product Specifications v2 clean.docx

Product spec:

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[IMAGE: FAMILY IN THEIR 40s]

Accumulation IUL Flexible Premium Adjustable Indexed Universal Life Insurance, issued by North American Company for Life and Health Insurance Hassle-free life insurance that’s built for your most important financial goals

If you’re like many people, you might be wondering how much retirement income you’ll really have by the time you get there. [Accumulation Index Universal Life Insurance] (IUL) from Ethos, issued by North American Company for Life and Health Insurance, offers you life insurance with something more: a tax-advantaged way to build financial strength for the future — without any risk of market loss. ● This reserve can work as a financial safety net for your family, accessible if needed in your working years. ● If you let it grow, it can provide supplemental retirement income. ● Or if you choose, it can create generational wealth for your loved ones. Cash value can build through premium payments and interest earned in the policy’s accounts, most of which are tied to market performance. Based on your financial goals, your agent can create a customized plan known as an illustration to show how the policy could work for you throughout your life. In addition, the policy provides a multi-layered shield of protection to augment your life insurance: access to up to 90% of the death benefit for a broad range of covered medical conditions 1 , and a free online estate planning kit. Get started on your protection and financial goals in minutes With just a few health questions, Ethos can offer life insurance coverage in minutes based on real-time underwriting decisions. This lets you avoid the hallmarks of traditional life insurance: lab work, medical exams, and weeks or months of waiting. What else should I know? Cash value life insurance such as IUL is a long-term financial instrument. You’ll need to make premium payments to maintain and potentially grow the policy’s cash value. Fortunately, IUL offers flexible premium options that can work with your needs and constraints over time.

1 Critical and chronic benefits subject to eligibility and availability.

[IMAGE: SON/DAUGHTER GRADUATING COLLEGE?]

First things first: you may need life insurance

When it comes to your family’s financial foundation, start with life insurance. The moment your first premium payment is received, you’ll have peace of mind knowing your beneficiaries will be financially protected if anything happens to you.

Facts about your death benefit

[ICON] It’s paid in a cash lump sum to your beneficiaries

[ICON] It’s generally tax-free 1

[ICON] It’s accessible in a health emergency See page 6 for details

Your policy can be structured for lifelong coverage as long as there is enough cash value to support policy charges. Or, depending on your goals, coverage can be guaranteed for a specific length of time as long as scheduled premiums are paid.

Depending on how your policy is structured, your beneficiaries may also receive an additional cash value.

1 In general, life insurance death benefits are free from federal income taxes pursuant to the IRS (IRC § 101(a)(1)). In certain situations, however, life insurance death benefits may be partially or wholly taxable. Consult your tax advisor for full details. We want this disclosure to also cover capital gains and estate/probate taxes.

How your policy’s cash value builds When you pay scheduled premiums, a percentage can be allocated to an account of your choice. Allocate to either an index segment , which typically can earn credit up to a cap , or your policy’s fixed account, which earns a flat interest rate. ● Index segments are tied to the performance of popular market indexes, without any actual market exposure. Each segment matures after one year 1 . Upon segment maturity, cash value can be reallocated to new index selection segments or moved to the fixed account. ● Cash value growth is generally tax-free 2 . ● Earn a guaranteed bonus on funds allocated to an index segment beginning policy year 11. See your illustration for details.

Downside protection — guaranteed In addition to any applicable cap rate, all index selections feature a floor rate of 0% or above that protects your account value. Because index selections can only step up, they reduce the impact of market volatility over time. 3

For illustrative purposes. Does not reflect actual or projected performance.

1 Indexed accounts formed in the first policy month mature after 11 months. All other index segments mature after one year. 2 Cash value growth is not subject to capital gains and access is tax-free assuming the following: 1) that withdrawals do not exceed tax basis (generally, premiums paid less prior withdrawals) and 2) that the policy is not a modified endowment contract. See IRC §§ 7702(f)(7)(B), 7702A. Cash value is typically accessed tax-free up to the tax basis via withdrawals, then accessed via loans, which are taxed as ordinary income but are not subject to capital gains. If the life insurance policy lapses, loans and withdrawals that exceed the total premiums paid will become taxable. 3 It’s still possible to lose policy cash value due to internal fees.

How cash value can be used For life’s opportunities and challenges You can access the net cash surrender value of your policy via low- or zero-interest loans and withdrawals. This can help provide financial resilience for major planned and unplanned costs like: ● Family emergencies

● Mortgage paydowns ● Starting a business ● Vacation or income property

● Student loans ● College tuition

Loans are generally tax-free 1 and available fast, with no lender or credit checks. Withdrawals are also generally tax-free 1 up to what’s known as your basis—the total of premiums paid, minus any outstanding loans and prior withdrawals. However, loans and withdrawals will reduce your death benefit and impact cash value growth. Excessive and unpaid loans can create a taxable event.

Loan options Only one loan type is available at any time. Standard loans

Variable loans Potential to continue earning index credits on loaned account values. ● Available beginning in policy year 3+ ● Loan interest rate is determined quarterly but will never exceed 6%. ● Loaned account values in index selections continue to

Fixed participating loans Loan bonus, plus potential to continue earning index credits on loaned account values. ● Available beginning in policy year 11+ ● [8%] max loan rate ● Loaned account values in index selections continue to

Certainty of interest rate with net zero cost loans available. ● In policy years 1–5, the interest rate is guaranteed not to exceed 6%. Net zero cost loans are available starting in policy year 6. ● Loans are processed from the fixed account. ● Any amount transferred from an index selection to the fixed account for a loan will not receive index credit if the transfer occurs before the end of the index period.

earn interest. Potentially, the index interest credited can exceed the loan interest rate, but it can also be lower.

● Includes a [1.50%] loan bonus (current rate). 2

As a retirement income stream Use policy loans and withdrawals to create additional income when you retire. Distributions are generally income tax-free 1 . During times of market volatility, these distributions can serve as an alternative potential income source, helping ease the pressure on your market-facing accounts.

1 Policy loans from life insurance policies generally are not subject to income tax, provided the contract is not a Modified Endowment Contract (MEC), as defined by Section 7702A of the Internal Revenue Code. A policy loan or withdrawal from a life insurance policy that is a MEC is taxable upon receipt to the extent cash value of the contract exceeds premium paid. Distributions from MECs are subject to federal income tax to the extent of the gain in the policy and taxable distributions are subject to a 10% additional tax prior to age 59½, with certain exceptions. 2 Guaranteed loan bonus rate: 0.50% in all policy years.

Built-in benefits and policy add-ons Additional benefits known as riders and endorsements can extend the power of your policy. Included with your policy Living benefits for [17] qualifying conditions

100% digital estate planning Use Ethos estate planning tools to create family legal documents, including: ● Legal will ● Power of attorney ● Living trust ● Health care directives ● Medical consent An $898 value, Ethos Perks let you take charge of your legacy without an attorney. 3 Return of premium to your beneficiaries The Return of Premium Death Benefit Endorsement provides beneficiaries with a specific return of premium upon the insured’s death. Subject to eligibility. 4

The Accelerated Death Benefit Endorsement (ADBE) for critical, chronic, and terminal illness lets you access up to 90% of the death benefit for qualifying conditions, including heart attack, stroke, and severe cognitive impairment. Money can be used for any purpose. Critical and chronic benefits are subject to eligibility. 1 Death benefit protection when using the policy for income The Protected Death Benefit Endorsement guarantees a specific minimum death benefit. 1,2 Protection even if cash values are low The Overloan Protection Benefit Endorsement helps keep the policy from lapsing due to excessive loans. 1

Options at an additional cost ● The Waiver of Monthly Deductions Rider waives monthly premium for each month the insured is totally disabled. 5 ● The Flexible Benefit Rider waives current costs of insurance and expense charges for disability until age 65. 6 ● The Accidental Death Benefit provides up to $250K in additional death benefit if death is a direct result of an accident and occurs within 180 days from the date of the injury. 7 1 For the Accelerated Death Benefit, Protected Death Benefit, and Overloan Protection Benefit, only one of these three benefits may be in effect while the policy is in force. 2 Available beginning age 65 as long as the policy has been in force for at least 15 years. 3 Not available in SD, WA, AK, and LA. $898 value is based on cost for you and spouse. 4 Max issue age 70. 5 If total disability begins on or after age 60, premiums are waived to age 65. If total disability extends to age 65, all further premiums are waived. Available at issue only, up to age 59. Subject to eligibility. 6 Available at issue only, up to age 59 for primary insured when Waiver of Monthly Deductions Rider is included. Subject to eligibility. 7 Available at issue only, up to age 60. Subject to eligibility.

Ethos and North American: Speed and strength

[Ethos is a technology company dedicated to bringing protection to millions of families with fast, online life insurance coverage. We’ve partnered with North American to provide the benefits of index universal life through our simple application process. For more information, visit us at Ethos.com .]

[North American Company for Life and Health Insurance® is a leading U.S. insurance company, focused on providing growth, income, and financial protection in all types of market and economic environments throughout its 100-plus year history. North American is currently rated A+ by A.M. Best 1,2 , S&P Global 3 and Fitch Ratings 4 , reflecting its financial strength, operating performance, and ability to meet policyholder obligations. For more information, visit SammonsFinancialGroup.com .]

[ 1 A.M. Best is a large third-party independent reporting and rating company that rates an insurance company on the basis of the company’s financial strength, operating performance, and ability to meet its obligations to policyholders. The ratings above apply to Midland National Life Insurance Company and North American Company for Life and Health Insurance's financial strength and claims-paying ability. A.M. Best rating affirmed on August 13, 2024. For the latest rating, access ambest.com. Awarded to Midland National Life Insurance Company and North American Company for Life and Health Insurance as part of Sammons® Financial Group Inc., which consists of Midland National® Life Insurance Company and North American Company for Life and Health Insurance®. A.M. Best rating affirmed on August 13, 2024. For the latest rating, access www.ambest.com. Midland National and North American are rated "A+" (Superior) by A.M. Best - effective August 13, 2024. "A+" is the second of 15 ratings. 2 Sammons Financial Group® is comprised of North American Company for Life and Health Insurance®, Midland National ® Life Insurance Company, including its divisions Sammons® Corporate Markets Group, Sammons Retirement Solutions®, Inc. and Sammons Financial Network ®, LLC, member FINRA. 3 S&P Global Ratings awarded its "A+" (Strong) rating for insurer financial strength on Feb. 26, 2009 and affirmed on May 22, 2024 to Midland National Life Insurance Company and North American Company for Life and Health Insurance as a member of Sammons® Financial Group , Inc. The "A+" (Strong) rating, is the fifth highest out of 22 available ratings. 4 A+ (Stable) Rated by Fitch Ratings. Fitch Ratings, a global leader in financial information services and credit ratings, on June 26, 2024, assigned an Insurer Financial Strength rating of A+ Stable for Midland National and North American. This rating is the fifth highest of 19 possible rating categories. The rating reflects the organization’s strong business profile, low financial leverage, very strong statutory capitalization and strong operating profitability supported by strong investment performance. For more information, read the Fitch Ratings report. ] [ Sammons Financial® is the marketing name for Sammons® Financial Group, Inc.’s member companies, including North American Company for Life and Health Insurance®. Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, North American Company for Life and Health Insurance® .] All guarantees and benefits of the insurance policy are subject to the claims-paying ability of the issuing insurance company. They are not backed by the broker-dealer and/or insurance agency selling the policy, or any affiliates of those entities other than the issuing company affiliates, and none makes any representations or guarantees regarding the claims-paying ability of the issuer. Ethos Index Universal Life Insurance is not a deposit, not FDIC insured, may go down in value, not insured by any federal government agency, and not guaranteed by any bank or savings associations.Neither Ethos, North American Company for Life and Health Insurance nor their representatives provide tax or legal advice. You may want to consult your attorney or other tax professional for more information. [ Policy form number: P100AL ] North American Company for Life and Health Insurance © [ 2025 ] Ethos Technologies Inc. Ethos operates in some states as Ethos Life Insurance Services. CA license #0L28949; AR license #100164629. [Accumulation] Index Universal Life Insurance (form [ xxxxxxxxxx ] and state variations) is issued by North American Company for Life and Health Insurance. The product is not available in New York. North American and Ethos Technologies Inc., are separate, independent entities. This report is not complete and cannot be presented without the Basic Illustration. Please refer to the Basic Illustration for guaranteed elements and other important information, including non-guaranteed elements. Benefits and values shown are not guaranteed, and the assumptions on which they are based are subject to change by the insurer. Actual results may be more or less favorable.

[ THE S&P 500® Index | THE S&P MidCap 400® Index | These Indices do not include dividends paid by the underlying companies. The S&P MidCap 400®, and the S&P 500® (“the Indices”) are products of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and have been licensed for use by North American Company for Life and Health Insurance® (“the Company”). S&P®, S&P 500®, US 500, The 500, iBoxx®, iTraxx® and CDX® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). It is not possible to invest directly in an index. The Company’s Product is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or any of their respective affiliates (collectively, “S&P Dow Jones Indices”). S&P Dow Jones Indices does not make any representation or warranty, express or implied, to the owners of the Company’s Product or any member of the public regarding the advisability of investing in securities generally or in the Company’s Product particularly or the ability of the Indices to track general market performance. Past performance of an index is not an indication or guarantee of future results. S&P Dow Jones Indices’ only relationship to the Company with respect to the Indices is the licensing of the Index and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices and/or its licensors. The Indices are determined, composed and calculated by S&P Dow Jones Indices without regard to the Company or the Company’s Product. S&P Dow Jones Indices has no obligation to take the needs of the Company or the owners of the Company’s Product into consideration in determining, composing or calculating the Indices. S&P Dow Jones Indices has no obligation or liability in connection with the administration, marketing or trading of the Company’s Product. There is no assurance that investment products based on the Indices will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment adviser, commodity trading advisory, commodity pool operator, broker dealer, fiduciary, “promoter” (as defined in the Investment Company Act of 1940, as amended), “expert” as enumerated within 15 U.S.C. § 77k(a) or tax advisor. Inclusion of a security, commodity, crypto currency or other asset within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security, commodity, crypto currency or other asset, nor is it considered to be investment advice or commodity trading advice. S&P DOW JONES INDICES DOES NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE INDICES OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. S&P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&P DOW JONES INDICES MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY THE COMPANY, OWNERS OF THE COMPANY’S PRODUCT[S], OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE INDICES OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. S&P DOW JONES INDICES HAS NOT REVIEWED, PREPARED AND/OR CERTIFIED ANY PORTION OF, NOR DOES S&P DOW JONES INDICES HAVE ANY CONTROL OVER, THE COMPANY’S PRODUCT[S] REGISTRATION STATEMENT, PROSPECTUS OR OTHER OFFERING MATERIALS. THERE ARE NO THIRD-PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND THE COMPANY, OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES. The Fidelity Multifactor Yield Index 5% ER (the “Index”) is a multi-asset index, offering exposure to companies with attractive valuations, high quality profiles, positive momentum signals, lower volatility and higher dividend yield than the broader market, as well as U.S. treasuries, which may reduce volatility over time. Fidelity is a registered trademark of FMR LLC. Fidelity Product Services LLC (“FPS”) has licensed this Index for use for certain purposes to North American Company for Life and Health Insurance® (the “Company”) on behalf of the Product. The Index is the exclusive property of FPS and is made and compiled without regard to the needs, including, but not limited to, the suitability needs, of the Company, the Product, or owners of the Product. The Product is not sold, sponsored, endorsed or promoted by FPS or any other party involved in, or related to, making or compiling the Index. FPS does not make any warranty or representation as to the accuracy, completeness, or availability of the Index or information included in the Index and shall have no responsibility or liability for the impact of any inaccuracy, incompleteness, or unavailability of the Index or such information. Neither FPS nor any other party involved in, or related to, making or compiling the Index makes any representation or warranty, express or implied, to the Product contract owner, the Company, or any member of the public regarding the advisability of purchasing annuities generally or the Product particularly, the legality of the Product under applicable federal securities, state insurance and tax laws, the ability of the Product to track the performance of the Index, any other index or benchmark or general stock or bond market or other asset class performance, or the results, including, but not limited to, performance results, to be obtained by the Company, the Product, Product contract owners, or any other person or entity. FPS does not provide investment advice to the Company with respect to the Product, to the Product, or to Product contract owners. The Company exercises sole discretion in determining whether and how the Product will be linked to the value of the Index. FPS does not provide investment advice to the Product, the Product contract owners, or any other person or entity with respect to the Index and in no event shall any Product contract owner be deemed to be a client of FPS. Neither FPS nor any other party involved in, or related to, making or compiling the Index has any obligation to continue to provide the Index to the Company with respect to the Product. In the event that the Index is no longer available to the Product or Product contract owners, the Company may seek to replace the Index with another suitable index, although there can be no assurance that one will be available. Fidelity Product Services LLC disclaims all warranties, express or implied, including all warranties of merchantability or fitness for a particular purpose or use. Fidelity Product Services LLC shall have no responsibility or liability with respect to the Product. Frank Russell Company (“Russell”) is the source and owner of the trademarks, service marks and copyrights related to the Russell Indexes. Russell® is a trademark of Frank Russell Company. Neither Russell nor its licensors accept any liability for any errors or omissions in the Russell Indexes and / or Russell ratings or underlying data and no party may rely on any Russell Indexes and / or Russell ratings and / or underlying data contained in this communication. No further distribution of Russell Data is permitted without Russell’s express written consent. Russell does not promote, sponsor or endorse the content of this communication. ]

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