Gameplan Financial
North American IUL Training & Agent Resource Hub | Gameplan Financial

North American IUL and Life Carrier Hub

Core IUL carrier at Gameplan Financial (for agent use only)
North American • IUL • Term • Living Benefits
Featured Training

Gameplan Financial IUL 101 Training with North American

Taught by Nathan Buergey, President of Gameplan Financial
How to position North American IUL for tax advantaged retirement. Index strategies, premium bonuses, and loan designs that actually hold up in the real world. Ethical max funding. Client first design, not commission first nonsense.
Watch this before you start running illustrations or presenting North American IUL to clients.
Jump to Product and Design Notes

Carrier Snapshot

Company: North American Company for Life and Health Insurance, part of Sammons Financial Group. A plus rated and built around long term guarantees and cash value performance.
Positioning: Flagship IUL carrier at Gameplan for tax advantaged accumulation, living benefits, and flexible loan features.
Sweet Spots: Tax free retirement strategies, max funded IUL, living benefits, business planning such as key person and bonus plans, and policies built to help clients act as their own bank.
Core Life Lineup (current IUL focus): Builder Plus IUL 4, Smart Builder IUL 3, Protection Builder IUL 2, plus term options like ADDvantage Term and simple term such as LifeVue.
Underwriting Process: Traditional underwriting plus WriteAway accelerated underwriting that uses an ESP phone interview and data checks, with clear uninsurable and medical reference tools in your North American resource folder.
Carrier Portal: North American Agent Portal (Life) IUL: Products and Training • Underwriting and WriteAway • Admin and Forms
📄 North American Life Underwriting Guide 📂 North American IUL and UW Resource Folder ▶ North American Official YouTube 🔐 North American Agent Login
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North American Indexed Universal Life: Builder Plus, Smart Builder, Protection Builder

Builder Plus IUL 4 for long term accumulation Smart Builder IUL 3 for early cash value Protection Builder IUL 2 for death benefit focus
How to Position Each Product
Builder Plus IUL 4
Long term cash value and supplemental retirement income. Ideal for clients in their thirties through fifties who fund monthly or annually and want strong, tax advantaged income later.
Smart Builder IUL 3
Early cash value and liquidity. Often used with lump sums, 1035 exchanges, or lazy money sitting in CDs or savings that the client wants to reposition into more death benefit and better long term options.
Protection Builder IUL 2
Death benefit driven design with strong guarantees and cash value potential. Great for legacy, estate planning, and clients who want the death benefit to stay in place to age 120.
Living Benefits
Terminal, chronic, and critical illness riders are built into the IUL platform on many products and states. Clients can access a portion of the death benefit while living if they meet rider definitions.
Index Strategy, Bonuses and Design Guidelines
Index crediting: Common starting point is a mix of strategies such as the S and P 500 and proprietary indices like Fidelity High Par, with a zero percent floor. Negative index years do not reduce credited cash value, while upside is tied to caps and participation rates.
Premium bonuses: North American layers on additional crediting bonuses. For example, a higher bonus in the first ten years and a larger bonus in years eleven and beyond. Always confirm exact percentages in the current Products at a Glance sheet and the illustration system.
Design rule of thumb: Max fund and keep the death benefit as low as the guidelines allow. That pushes more of each premium dollar into cash value instead of pure cost of insurance.
MEC guardrails: Monitor seven pay testing and avoid Modified Endowment Contract status. Use the North American illustration tools and run a solve for maximum non MEC premium, especially on Builder Plus accumulation cases.
Loan strategy: Teach clients the difference between loans and withdrawals. Focus on participating or fixed loans for retirement income when it makes sense, and stress test at conservative crediting rates. Do not base your entire pitch on best case assumptions.
Key Coaching Notes from the IUL 101 Training
What an IUL actually is: Permanent life insurance with cash value tied to index performance, with a zero percent floor. Negative index years do not reduce credited cash value in the indexed segments.
Why North American: A plus rated, employee owned company that has intentionally engineered its IUL line up with living benefits, bonus structures, and loan options that support long term planning.
Living benefits in plain language: Clients can accelerate part of the death benefit if they face qualifying terminal, chronic, or critical illness events, subject to product and state rules. That money can be used for any purpose.
Funding strategy: Start early, fund aggressively within budget, and stay under MEC limits. The longer and more consistent the funding window, the more powerful the compounding and bonus crediting become in the middle and later years of the policy.
Income guidelines: Focus on loans, not withdrawals, for retirement income. Leave some margin instead of maxing out distributions and build in annual reviews so you can adjust based on performance and life changes.
Ethics: Do not inflate the death benefit just to chase a bigger commission. Design policies so the client wins on protection, flexibility, and cash value. If you cannot do that on a case, you should not write it.

North American Term and Simpler Protection Options

ADDvantage Term LifeVue simple term Conversion paths into IUL
Where to Use Term
ADDvantage Term
Level term durations for mortgage protection and income replacement, with competitive pricing and conversion options into North American IUL during the conversion window.
LifeVue Simple Term
Simplified issue term solution for clients who want coverage quickly with streamlined underwriting. A good fit for people who say they just need coverage in place now.
Agent Notes
Term can be the front door into the relationship. Always know the conversion rules and timelines so you can move into IUL later when the client is ready for long term cash value and tax advantaged income planning.
Use the North American Products at a Glance brochure in the resource folder for current term durations, minimum coverage amounts, and specific conversion language.

Underwriting, WriteAway and Field Tools

WriteAway accelerated underwriting Uninsurable conditions list Medical reference and UW guides
Key Underwriting Documents in the North American Folder
Products at a Glance: Snapshot of the full life lineup, including IUL, term, and major features.
North American Life Underwriting Guide: Field underwriting criteria, build charts, preferred guidelines, and financial justification rules. This is also linked at the top of this page.
Updated Underwriting Guidelines (dated 3 9 24): The latest underwriting parameters and clarifications from the home office.
Uninsurable Conditions: A clear go or no go list. Check this first on high risk cases so you do not waste your own time or your client’s time.
Medical Reference: Quick reference on common diagnoses, medications, and how North American tends to view those situations.
WriteAway Field Guide: Age limits, face amount limits, qualifying criteria, and the exact steps required to keep a case in the accelerated underwriting lane.
Marketing Brochures: Client facing brochures that share the company story and value propositions in simple language that you can echo in your own words.
Underwriting Gameplan for Agents
Run difficult cases through the Uninsurable Conditions and Medical Reference tools first. If a case feels borderline, pre screen it with anonymous details before you submit a full application.
Use WriteAway every time a case qualifies. It shortens cycle time and improves the client’s experience. Follow the checklist in the WriteAway Field Guide so you do not accidentally trigger full exam underwriting.
On larger IUL cases, make sure your illustration and application line up with the financial guidelines in the Underwriting Guide. Income multiples, estate planning logic, and business justification all need to make sense on paper.
Keep your North American PDFs organized inside the Gameplan ecosystem and share your screen on Zoom while you reference them. That instantly upgrades your perceived expertise with clients and referral partners.

Admin, Forms and State Packets

State specific forms Payments and replacements Disclosures and illustrations
What to Pull Before an Application
Applications
Correct life application and state variation, the right IUL riders, and any replacement or 1035 forms you need for the case.
Payments
Initial premium method such as EFT, ACH, check, or 1035. Make sure you have signed bank forms where required.
Disclosures
Buyer’s guides, IUL disclosures, illustration signature pages, living benefit rider disclosures, and any state specific notices.
Best Practices
Confirm state, age, and product availability against Products at a Glance before you quote anything creative or advanced.
On replacements, get current in force illustrations and recent statements up front. That saves you and underwriting a lot of back and forth and protects the client from surprises.
Deliver compliant illustrations before issue, then schedule annual reviews so you stay in front of the policy instead of reacting after the fact.