North American ed Universal Life Insurance Caps and Pars Rate History ed Universal Life Insurance combines death benefit protection with the opportunity to grow cash value based upon the upward movement of stock market indexes without the risk of investing directly in the market. The following are tables showing the historical Participation and Cap rates for North American IUL products. Except where indicated, the caps and participation rates below apply to all North American indexed products. These rates applied to premiums received on or after the date shown on each chart. These rates reflect past performance and are not intended to predict future performance. CURRENTLY MARKETED PRODUCT Rapid Builder IUL 4 (Inception - January 30, 2017) 1/30/2017 /Spread /Spread 100% / 11.5% / None 100% / 10.5% / None Monthly Point-to-Point 100% / 3% / None 100% / 2.75% / None with Spread 100% / None / 4.5% 100% / None / 5% Uncapped S&P 500 47.5% / None / None 42.5% / None / None High Par 140% / 9% / None 140% / 8% / None 100% / 8.5% / None 100% / 7.5% / None 100% / 8.5% / None 100% / 7.5% / None 100% / 8.5% / None 100% / 7.5% / None 100% / 10.5% / None 100% / 9.5% / None Multi Optimal Strategy 100% / 8% / None 100% / 7% / None
Rapid Builder IUL 3 (Inception - June 2, 2015) 6/2/2015 2/29/2016 100% / 12.5% 100% / 12% 100% / 11.5% 100% / 9.5% Daily Averaging 97.5% / None 97.5% / None 92.5% / None 75% / None Monthly Point-to-Point 100% / 4% 100% / 3.5% 100% / 3% 100% / 2.25% Uncapped S&P 500 52.5% / None 52.5% / None 47.5% / None 40% / None 100% / 11.5% 100% / 10% 100% / 9.5% 100% / 7.5% Daily Averaging 97.5% / None 97.5% / None 92.5% / None 75% / None 100% / 9.5% 100% / 9% 100% / 8.5% 100% / 6.5% 100% / 9.5% 100% / 9% 100% / 8.5% 100% / 6.5% Daily Averaging 77.5% / None 77.5% / None 72.5% / None 60% / None 100% / 9.5% 100% / 9% 100% / 8.5% 100% / 6.5% Daily Averaging 77.5% / None 77.5% / None 72.5% / None 60% / None 100% / 11.5% 100% / 11% 100% / 10.5% 100% / 8.5% Multi Optimal Strategy 100% / 9.5% 100% / 8.5% 100% / 8% 100% / 6% Rapid Builder IUL 2 (Inception - November 28, 2011) * 11/1/2015 100% / 14% 100% / 14% 100% / 13.5% 100% / 12.5% 100% / 11.5% 100% / 10.5% Daily Averaging 115% / None 102.5% / None 102.5% / None 102.5% / None 92.5% / None 80% / None Uncapped S&P 500 65% / None 57.5% / None 57.5% / None 57.5% / None 47.5% / None 45% / None 100% / 13% 100% / 13% 100% / 12.5% 100% / 10% 100% / 9% 100% / 8.5% Daily Averaging 115% / None 102.5% / None 102.5% / None 102.5% / None 92.5% / None 80% / None 100% / 13% 100% / 13% 100% / 12.5% 100% / 11.5% 100% / 10.5% 100% / 9.5% Multi Optimal Strategy 100% / 12% 100% / 11% 100% / 10.5% 100% / 8.5% 100% / 7.5% 100% / 7% * Not all index selections are available on all products.
Rapid Builder IUL (Inception - April 1, 2009) * 4/1/2009 6/15/2009 1/1/2010 7/23/2010 100% / 13% 100% / 13% 100% / 13.5% 100% / 14% 100% / 14.5% 100% / 14.5% 100% / 14% Daily Averaging 85% / None 75% / None 100% / None 115% / None 117.5% / None 105% / None 105% / None Uncapped S&P 500 50% / None 50% / None 55% / None 65% / None 67.5% / None 60% / None 60% / None 100% / 12% 100% / 12% 100% / 12% 100% / 13% 100% / 13.5% 100% / 13.5% 100% / 13% Daily Averaging 85% / None 75% / None 100% / None 115% / None 117.5% / None 105% / None 105% / None 100% / 13% 100% / 12% 100% / 12% 100% / 13% 100% / 13.5% 100% / 13.5% 100% / 13% Multi Optimal Strategy 100% / 10.5% 100% / 10% 100% / 11% 100% / 12% 100% / 12.5% 100% / 11.5% 100% / 11% 9/1/2015 100% / 13% 100% / 12% 100% / 10.5% Daily Averaging 105% / None 95% / None 80% / None Uncapped S&P 500 60% / None 50% / None 45% / None 100% / 10.5% 100% / 9.5% 100% / 8.5% Daily Averaging 105% / None 95% / None 80% / None 100% / 12% 100% / 11% 100% / 9.5% Multi Optimal Strategy 100% / 9% 100% / 8% 100% / 7%
CURRENTLY MARKETED PRODUCT Guarantee Builder IUL 4 (Inception - January 30, 2017) 1/30/2017 /Spread /Spread 100% / 12.5% / None 100% / 11.5% / None Monthly Point-to-Point 100% / 3.25% / None 100% / 3% / None with Spread 100% / None / 4% 100% / None / 4.5% Uncapped S&P 500 52.5% / None / None 47.5% / None / None High Par 140% / 10% / None 140% / 9% / None 100% / 9.5% / None 100% / 8.5% / None 100% / 9.5% / None 100% / 8.5% / None 100% / 9.5% / None 100% / 8.5% / None 100% / 11.5% / None 100% / 10.5% / None Multi Optimal Strategy 100% / 9% / None 100% / 8% / None
Guarantee Builder IUL 3 (Inception - September 4, 2013) 9/4/2013 2/29/2016 100% / 13.5% 100% / 13% 100% / 12.5% 100% / 10.5% Daily Averaging 102.5% / None 102.5% / None 97.5% / None 80% / None Monthly Point-to-Point 100% / 4.25% 100% / 3.75% 100% / 3.25% 100% / 2.5% Uncapped S&P 500 57.5% / None 57.5% / None 52.5% / None 45% / None 100% / 12.5% 100% / 11% 100% / 10.5% 100% / 8.5% Daily Averaging 102.5% / None 102.5% / None 97.5% / None 80% / None 100% / 10.5% 100% / 10% 100% / 9.5% 100% / 7.5% 100% / 10.5% 100% / 10% 100% / 9.5% 100% / 7.5% Daily Averaging 82.5% / None 82.5% / None 77.5% / None 65% / None 100% / 10.5% 100% / 10% 100% / 9.5% 100% / 7.5% Daily Averaging 82.5% / None 82.5% / None 77.5% / None 65% / None 100% /12.5% 100% / 12% 100% / 11.5% 100% / 9.5% Multi Optimal Strategy 100% / 10.5% 100% / 9.5% 100% / 9% 100% / 7%
Guarantee Builder IUL 2 (Inception - November 28, 2011) 11/1/2015 100% / 14% 100% / 14% 100% / 13.5% 100% / 12.5% 100% / 11.5% 100% / 10.5% Daily Averaging 115% / None 102.5% / None 102.5% / None 102.5% / None 92.5% / None 80% / None 100% / 13% 100% / 13% 100% / 12.5% 100% / 10% 100% / 9% 100% / 8.5% Daily Averaging 115% / None 102.5% / None 102.5% / None 102.5% / None 92.5% / None 80% / None 100% / 12% 100% / 11% 100% / 10.5% 100% / 9% 100% / 8% 100% / 7.5% 100% / 12% 100% / 11% 100% / 10.5% 100% / 9% 100% / 8% 100% / 7.5% Daily Averaging 95% / None 82.5% / None 82.5% / None 82.5% / None 72.5% / None 65% / None EuroStoxx 50 100% / 13% 100% / 13% 100% / 12.5% 100% / 11.5% 100% / 10.5% 100% / 9.5% Multi Optimal Strategy 100% / 12% 100% / 11% 100% / 10.5% 100% / 8.5% 100% / 7.5% 100% / 7%
Guarantee Builder IUL (Inception - September 4, 2007) 9/4/2007 10/18/2007 12/16/2008 3/1/2009 6/15/2009 1/1/2010 7/23/2010 100% / 12.5% 100% / 12.5% 100% / 12.5% 100% / 13% 100% / 13% 100% / 13.5% 100% / 14% Daily Averaging 135% / None 120% / None 110% / None 85% / None 75% / None 100% / None 115% / None 100% / 13% 100% / 12% 100% / 12% 100% / 12% 100% / 12% 100% / 12% 100% / 13% Daily Averaging 125% / None 115% / None 105% / None 85% / None 75% / None 100% / None 115% / None 100% / 10% 100% / 10% 100% / 10% 100% / 11% 100% / 11% 100% / 11% 100% / 12% 100% / 12% 100% / 12% 100% / 10% 100% / 11% 100% / 11% 100% / 11% 100% / 12% 9/1/2015 100% / 14.5% 100% / 14.5% 100% / 14% 100% / 13% 100% / 12% 100% / 10.5% Daily Averaging 117.5% / None 105% / None 105% / None 105% / None 95% / None 80% / None 100% / 13.5% 100% / 13.5% 100% / 13% 100% / 10.5% 100% / 9.5% 100% / 8.5% Daily Averaging 117.5% / None 105% / None 105% / None 105% / None 95% / None 80% / None 100% / 12.5% 100% / 11.5% 100% / 11% 100% / 9.5% 100% / 8.5% 100% / 7.5% 100% / 12.5% 100% / 11.5% 100% / 11% 100% / 9.5% 100% / 8.5% 100% / 7.5%
CURRENTLY MARKETED PRODUCT Builder IUL 8 (Inception - January 30, 2017) 1/30/2017 /Spread Monthly Point-to-Point with Spread Uncapped S&P 500 100% / 12.5% / None 100% / 3.25% / None 100% / None / 4% 52.5% / None / NA High Par 140% / 10% / None 100% / 9.5% / None 100% / 9.5% / None 100% / 9.5% / None Multi Optimal Strategy 100% / 11.5% / None 100% / 9% / None
Builder IUL 7 (Inception - November 28, 2011) 2/29/2016 100% / 14% 100% / 14% 100% / 13.5% 100% / 13% 100% / 12.5% 100% / 10.5% Daily Averaging 115% / None 102.5% / None 102.5% / None 102.5% / None 97.5% / None 80% / None Monthly Point-to-Point 100% / 4.5% 100% / 4.5% 100% / 4.25% 100% / 3.75% 100% / 3.25% 100% / 2.5% Uncapped S&P 500 65% / None 57.5% / None 57.5% / None 57.5% / None 52.5% / None 45% / None 100% / 13% 100% / 13% 100% / 12.5% 100% / 11% 100% / 10.5% 100% / 8.5% Daily Averaging 115% / None 102.5% / None 102.5% / None 102.5% / None 97.5% / None 80% / None 100% / 12% 100% / 11% 100% / 10.5% 100% / 10% 100% / 9.5% 100% / 7.5% 100% / 12% 100% / 11% 100% / 10.5% 100% / 10% 100% / 9.5% 100% / 7.5% Daily Averaging 95% / None 82.5% / None 82.5% / None 82.5% / None 77.5% / None 65% / None 100% / 12.0% 100% / 11% 100% / 10.5% 100% / 10% 100% / 9.5% 100% / 7.5% Daily Averaging 95% / None 82.5% / None 82.5% / None 82.5% / None 77.5% / None 65% / None 100% / 13% 100% / 13% 100% / 12.5% 100% / 12% 100% / 11.5% 100% / 9.5% Multi Optimal Strategy 100% / 12% 100% / 11% 100% / 10.5% 100% / 9.5% 100% / 9% 100% / 7%
Builder IUL 6 (Inception - May 21, 2010) 5/21/2010 9/1/2015 100% / 14% 100% / 14.5% 100% / 14.5% 100% / 14% 100% / 13% 100% / 12% 100% / 10.5% Daily Averaging 115% / None 117.5% / None 105% / None 105% / None 105% / None 95% / None 80% / None Monthly Point-to-Point 100% / 4.5% 100% / 4.6% 100% / 4.6% 100% / 4.35% 100% / 3.6% 100% / 2.6% 100% / 2.5% Uncapped S&P 500 65% / None 67.5% / None 60% / None 60% / None 60% / None 50% / None 45% / None 100% / 13% 100% / 13.5% 100% / 13.5% 100% / 13% 100% / 10.5% 100% / 9.5% 100% / 8.5% Daily Averaging 115% / None 117.5% / None 105% / None 105% / None 105% / None 95% / None 80% / None 100% / 12% 100% / 12.5% 100% / 11.5% 100% / 11% 100% / 9.5% 100% / 8.5% 100% / 7.5% 100% / 12% 100% / 12.5% 100% / 11.5% 100% / 11% 100% / 9.5% 100% / 8.5% 100% / 7.5% Daily Averaging 95% / None 97.5% / None 85% / None 85% / None 85% / None 75% / None 65% / None 100% / 12% 100% / 12.5% 100% / 11.5% 100% / 11% 100% / 9.5% 100% / 8.5% 100% / 7.5% Daily Averaging 95% / None 97.5% / None 85% / None 85% / None 85% / None 75% / None 65% / None 100% / 13% 100% / 13.5% 100% / 13.5% 100% / 13% 100% / 12% 100% / 11% 100% / 9.5% Multi Optimal Strategy 100% / 12% 100% / 12.5% 100% / 11.5% 100% / 11% 100% / 9% 100% / 8% 100% / 7%
Custom Builder IUL, Builder IUL Gen 3-5 (Inception*) * 5/6/2006 7/16/2007 10/18/2007 12/16/2008 3/1/2009 6/15/2009 1/1/2010 100% / 12.5% 100% / 12.5% 100% / 12.5% 100% / 12.5% 100% / 13% 100% / 13% 100% / 13.5% Daily Averaging 140% / None 135% / None 120% / None 110% / None 85% / None 75% / None 100% / None 100% / 13% 100% / 13% 100% / 12% 100% / 12% 100% / 12% 100% / 12% 100% / 12% Daily Averaging 140% / None 125% / None 115% / None 105% / None 85% / None 75% / None 100% / None 100% / 11% 100% / 10% 100% / 10% 100% / 10% 100% / 11% 100% / 11% 100% / 11% 100% / 12% 100% / 12% 100% / 12% 100% / 10% 100% / 11% 100% / 11% 100% / 11% 100% / 14% 100% / 14% 100% / 14% 100% / 14% 100% / 13% 100% / 12% 100% / 12% 7/23/2010 9/1/2015 100% / 14% 100% / 14.5% 100% / 14.5% 100% / 14% 100% / 13% 100% / 12% 100% / 10.5% Daily Averaging 115% / None 117.5% / None 105% / None 105% / None 105% / None 95% / None 80% / 100% 100% / 13% 100% / 13.5% 100% / 13.5% 100% / 13% 100% / 10.5% 100% / 9.5% 100% / 8.5% Daily Averaging 115% / None 117.5% / None 105% / None 105% / None 105% / None 95% / None 80% / None 100% / 12% 100% / 12.5% 100% / 11.5% 100% / 11% 100% / 9.5% 100% / 8.5% 100% / 7.5% 100% / 12% 100% / 12.5% 100% / 11.5% 100% / 11% 100% / 9.5% 100% / 8.5% 100% / 7.5% 100% / 13% 100% / 13.5% 100% / 13.5% 100% / 13% 100% / 12% 100% / 11% 100% / 9.5% * Custom Builder IUL 1 (Inception may 6, 2006), Custom Builder IUL 2 (Inception - April 6, 2007), Builder IUL 3 (Inception - July 16, 2007, Builder IUL 4 (Inception - July 16, 2007), Builder IUL 5 (Inception - April 1, 2009) **Not all index selectional are available on all products.
CURRENTLY MARKETED PRODUCT Survivorship GIUL (Inception - April 1, 2009) * 1/4/2010 7/23/2010 9/1/2015 100% / 13.5% 100% / 14% 100% / 14.5% 100% / 14.5% 100% / 14% 100% / 13% Daily Averaging 100% / None 115% / None 117.5% / None 105% / None 105% / None 105% / None Monthly Point-to-Point 100% / 4.5% 100% / 4.5% 100% / 4.6% 100% / 4.6% 100% / 4.35% 100% / 3.6% Uncapped S&P 500 55% / None 65% / None 67.5% / None 60% / None 60% / None 60% / None 100% / 12% 100% / 13% 100% / 13.5% 100% / 13.5% 100% / 13% 100% / 10.5% Daily Averaging 100% / None 115% / None 117.5% / None 105% / None 105% / None 105% / None 100% / 11% 100% / 12% 100% / 12.5% 100% / 11.5% 100% / 11% 100% / 9.5% 100% / 11% 100% / 12% 100% / 12.5% 100% / 11.5% 100% / 11% 100% / 9.5% Daily Averaging 80% / None 95% / None 97.5% / None 85% / None 85% / None 85% / None 100% / 11% 100% / 12% 100% / 12.5% 100% / 11.5% 100% / 11% 100% / 9.5% Daily Averaging 80% / None 95% / None 97.5% / None 85% / None 85% / None 85% / None 100% / 12% 100% / 13% 100% / 13.5% 100% / 13.5% 100% / 13% 100% / 12% Multi Optimal Strategy 100% / 11% 100% / 12% 100% / 12.5% 100% / 11.5% 100% / 11% 100% / 9% 100% / 12% 100% / 10.5% Daily Averaging 95% / None 80% / None Monthly Point-to-Point 100% / 2.6% 100% / 2.5% Uncapped S&P 500 50% / None 45% / None 100% / 9.5% 100% / 8.5% Daily Averaging 95% / None 80% / None 100% / 8.5% 100% / 7.5% 100% / 8.5% 100% / 7.5% Daily Averaging 75% / None 65% / None 100% / 8.5% 100% / 7.5% Daily Averaging 75% / None 65% / None 100% / 11% 100% / 9.5% Multi Optimal Strategy 100% / 8% 100% / 7%
Builder IUL Gen 6 (policy form series LS172), Custom Builder IUL (policy form series LS154A), Builder IUL Gen 2-5 (policy form series LS161A), Guarantee Builder IUL Gen 3 (policy form series LS175), Guarantee Builder IUL and Guarantee Builder IUL Gen 2 (policy form series LS164A), Rapid Builder IUL and Rapid Builder IUL Gen 2 (policy form series LS169), Rapid Builder IUL Gen 3 (policy form series LS176/LS176W with Waiver of Surrender Charge), and Survivorship GIUL (policy form series LS171/LS171W with Waiver of Surrender Charge) are issued by North American Company for Life and Health Insurance, Administrative Office, Sioux Falls, SD 57193. Products, features, riders, endorsement or issue ages may not be available in all jurisdictions. Restrictions or limitations may apply. ed 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. ed Universal Life products are not registered securities and do not directly participate in stock or equity investments. The performance of an does not include dividends paid by the underlying companies. THE COMPOSITE STOCK PRICE INDEX THE S&P 400 COMPOSITE STOCK PRICE INDEX THE DOW JONES INDUSTRIAL AVERAGE ( ) COMPOSITE STOCK PRICE INDEX These Indices do not include dividends paid by the underlying companies. The, and the Indices are products of S&P Dow Jones Indices LLC ( SPDJI ), and has been licensed for use by North American Company for Life and Health Insurance (the Company). 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S&P Dow Jones Indices has no obligation or liability in connection with the administration, marketing or trading of the Company s Product(s). There is no assurance that investment products based on the and the Indices will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment advisor. Inclusion of a security within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security, nor is it considered to be investment advice. Notwithstanding the foregoing, CME Group Inc. and its affiliates may independently issue and/or sponsor financial products unrelated to the Product(s) currently being issued by the Company, but which may be similar to and competitive with the Company s Product(s). In addition, CME Group Inc. and its affiliates may trade financial products which are linked to the performance of the and the Indices. 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THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THIS PRODUCT. THIS INDEX DOES NOT INCLUDE DIVIDENDS PAID BY THE UNDERLYING COMPANIES. Frank Russell Company ( Russell ) is the source and owner of the trademarks, service marks and copyrights related to the Russell es. Russell is a trademark of Frank Russell Company. Neither Russell nor its licensors accept any liability for any errors or omissions in the Russell es and/or Russell ratings or underlying data and no party may rely on any Russell es 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. These indexed universal life products are not sponsored, endorsed, sold or promoted by the,,, EURO STOXX 50, NASDAQ-100 or, and they make no representation regarding the advisability of purchasing this policy or investing in these products. 525 W Van Buren Chicago IL 60607 www.northamericancompany.com