Explore your life insurance needs with North American

Life insurance can do more than you’d expect.

You make a lot of decisions every day. Some are small, like what to make for dinner or what color to paint the living room. Some are big, such as accepting an offer for a new job or starting a family. Selecting a life insurance company falls in the “big decision” category. There are many options out there and choosing the right company can be difficult, especially if you aren’t familiar with your choices.

If you want to learn more about North American and our life insurance products, you’re in the right place. Our products are designed to be competitively priced, while still offering client-centric features.

Focused on protecting your household, not being a household name.

You won’t find North American running expensive TV commercials or listed on the New York Stock Exchange. As a privately-owned company, we invest in developing products that bring more value to our clients, their families, and the financial professionals helping you plan for the future.


What is your financial plan missing?
Here are a few ways life insurance can help fill the gap:


Outstanding Mortgage

You want to ensure your family is financially protected in case you pass away. You apply for life insurance with a death benefit equal to the remaining balance on your mortgage, allowing your family to continue living in your home if the unexpected were to happen.

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Unprepared for Retirement

You’re approaching retirement age, but you don’t have enough saved in your retirement account. You apply for life insurance and your financial professional helps you secure death benefit protection with a policy that could also help supplement your retirement income.

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Medical Illness

You want to pass along an inheritance but you’re also concerned about the future cost of an extended illness. You learn about living benefits offered through life insurance, which, coupled with a death benefit, could help you achieve both.1

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Extra Emergency Fund

You have an emergency fund, but now you’re wondering if it’s reaching its full potential. You apply for a life insurance policy that provides needed death benefit protection, has cash value potential, and allows you to access funds later in life if the need arises.2

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What type of life insurance is right for you?

Three steps to help protect your future.

Ready to start building a future with a little less uncertainty? Contact a North American financial professional to:


Discuss your goals for the future.


Find a North American product that meets your needs.


Apply for a policy online or submit a paper application.

A company you can count on.

For big decisions like these, you want to work with a company that has a history of strength and stability—and North American has both.

North American has A+ ratings

from top financial rating companies.3

641,000 North American life insurance and annuity policies

life insurance and annuity policies.4

130 plus year of helping people plan for the future

of helping people plan for the future.

Talk with your financial professional today to see how North American can help you plan for your future with life insurance.

Don’t have a financial professional?

North American can help connect you with a financial professional today.

Find one today


1. Accelerated death benefits (Living benefits) are subject to eligibility requirements.
2. 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. Policy loans and withdrawals will reduce cash value and death benefit. Policy loans are subject to interest charges. Consult with and rely on your tax advisor or attorney on your specific situation. Income and growth on accumulated cash values is generally taxable only upon withdrawal. Adverse tax consequences may result if withdrawals exceed premiums paid into the policy. Withdrawals or surrenders made during a Surrender Charge period will be subject to withdrawal charges, processing fees, or surrender charges, and may reduce the ultimate death benefit and cash value. Surrender charges vary by product, issue age, sex, underwriting class, and policy year.
3. S&P Global Ratings awarded its “A+” (Strong) rating for insurer financial strength on February 26, 2009 and affirmed on May 24, 2023 to 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 as a member of Sammons® Financial Group, Inc. S&P Global Ratings is an independent, third-party rating firm that rates on the basis of financial strength. Rating shown reflect the opinion of the rating agency and are not implied warranties of the company’s ability to meet its financial obligations.
A+ (Superior) rated by A.M. Best. 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. A+ is the second highest rating out of 15 categories and was affirmed for North American Company for Life and Health Insurance as part of Sammons Financial Group on August 29, 2023. For the latest rating, access ambest.com.
A+ (Stable) Rated by Fitch Ratings. Fitch Ratings, a global leader in financial information services and credit ratings, on December 7, 2022, assigned an Insurer Financial Strength rating of A+ Stable for 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.
4. North American Annual Statement 2022.

Life insurance policies have terms under which the policy may be continued in force or discontinued. Permanent life insurance requires monthly deductions to pay the policy’s charges and expenses, some of which will increase as the insured gets older. These deductions may reduce the cash value of the policy. Current cost of insurance rates and current interest rates are not guaranteed. Therefore, the planned periodic premium may not be sufficient to carry the contract to maturity. For costs and complete details, refer to the policy or call or write North American Company for Life and Health Insurance, One Sammons Plaza, Sioux Falls, SD 57193. Telephone: 877-872-0757.

Texas Residents: Receipt of acceleration-of-life-insurance benefits may affect your, your spouse’s or your family’s eligibility for public assistance programs such as medical assistance (Medicaid), Aid to Families with Dependent Children (AFDC), supplementary social security income (SSI), and drug assistance programs. You are advised to consult with a qualified tax advisor and with social service agencies concerning how receipt of such a payment will affect your, your spouse’s and your family’s eligibility for public assistance.

The term financial professional is not intended to imply engagement in an advisory business in which compensation is not related to sales. Financial professionals that are insurance licensed will be paid a commission on the sale of an insurance product.

Insurance products issued by North American Company for Life and Health Insurance, One Sammons Plaza, Sioux Falls, SD 57193. Products, features, riders, endorsements, or issues ages may not be available in all jurisdictions. Limitations or restrictions may apply.

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