This Web site is controlled and operated by North American Company for Life and Health Insurance (herein referred to as "North American") from its Administrative Office in the State of Iowa, United States of America. North American is licensed to sell life insurance and annuities in all U.S. states, except New York, and is also licensed in the District of Columbia, the Virgin Islands, Puerto Rico, and Guam. North American also conducts business in various overseas military installations. North American makes no representation that materials on are appropriate or available for use in other locations. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with local laws.


By using our site, you signify your assent to the following conditions of use without limitation or qualification. Please read these conditions before using this site. North American may at any time revise these terms and conditions by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current terms and conditions to which you are bound.

You agree to:

  • Act responsibly and be truthful and accurate with regard to your account or any information you provide on our site.
  • Be responsible for all activities that occur under your username and password, including without limitation, all communications, submissions or financial obligations.
  • Protect your user name and password from unauthorized use.
  • Notify North American immediately if you suspect or become aware of any unauthorized use or access to your account or any account-related security breach, including, but not limited to, loss of theft of your password or user name.
  • Use our site for personal or non-commercial purposes only.
  • Call the toll-free customer service number whenever you have any change in your personal information. By contacting us immediately, we can better serve you and secure the privacy of your information.


In addition to other restrictions provided in these Terms of Use, you may not, while accessing or using our site, engage in any of the following activities:

  • Provide false or misleading registration information, impersonate another person or user, disclose your user name or password to anyone else, or use an account, user name, password, or personal information of another user.
  • Harvest or collect information about any users of our site.
  • Transmit or facilitate the transmission of any "junk mail", "chain letters", or unsolicited mass mailing or "spamming" in connection with our site.
  • Use any robot, spider, site search/retrieval application or automatic device to retrieve, index "data mine" or in any way reproduce or circumvent the navigational structure or presentation of our site or any content of our site.
  • Modify the content, programs or other materials on our sites or hack into or access our servers on our site in an unauthorized manner.
  • Remove or obscure the copyright notice or other notices displayed on the content and/or frame North American name or any North American content, trademark, logo or trademarks in any meta-tags or other hidden text, or other proprietary information on our site.
  • Frame or mirror any part of our site, without the express permission of North American.
  • Take actions to interrupt, interfere with, obstruct, or limit the functionality of our site, North American's services or any software, hardware or equipment.
  • Use this website in a manner that may adversely affect our site resources or its availability to others, or that violates U.S., local, state or federal law.
  • Reverse engineer, decompile, disassemble, translate or otherwise alter any portion of our site or any of the third-party Web sites we may provide links to.
  • Upload or input to our site any information that contains viruses, Trojan horses, worms, time bombs, or other computer programming routines that are intended to damage, interfere with, intercept, or expropriate any portion or system of our site.
  • Take any action that imposes an unreasonable load on the systems supporting our site.
  • Attempt to disrupt, degrade, impair or violate the integrity or security of the infrastructure of our site (e.g., hacking, denial of service attacks), including any activity that precedes attempts to breach security such as scanning, probing, or other testing or vulnerability assessment activity, or engaging in or permitting any network or hosting activity that results in the blacklisting or other blockage of our IP space.

Your North American account privileges depend upon your consent to honor these responsibilities; we rely on your good faith and judgment. If you choose to provide inaccurate or false information, use poor judgment, or fail to access your account for eighteen (18) months, North American has the right to discontinue your access to this website. In addition, you agree that your use of our site may be suspended or terminated immediately upon receipt of any notice which alleges that you have used our site in violation of these Terms of Use and/or for any purpose that violates any local, state, federal or law of the United States or other jurisdictions, including, but not limited to, the posting of information that may violate third party rights, may defame a third party, may be obscene or pornographic, may harass or assault others, or may violate any laws, rules or regulations, including, hacking or other criminal regulations.


All materials on are provided "as is" and without warranties of any kind, either expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. North American does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this Web site or the server that makes it available are free of viruses or other harmful components. North American does not warrant or make any representations regarding the use or the results of the use of the materials on this Web site in terms of their correctness, accuracy, reliability, or otherwise. You, not North American, will assume the entire cost of all necessary servicing, repair, or correction.

Links to other sites can be accessed through this home page. Such external Internet addresses contain information created, published, maintained, and otherwise posted by organizations independent of North American. North American does not endorse, approve or certify any information, product or service referenced or provided at such addresses.


While North American uses reasonable efforts to include accurate and up-to-date information on this Web site, errors or omissions may occur. North American makes no warranties or representations as to the accuracy of this web site. Under no circumstances including, but not limited to, negligence by act or omission, shall North American nor any party involved in creating, producing, or delivering the web site be liable for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this web site, even if North American or a North American authorized representative has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you. In no event shall North American's total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this web site.


This site is owned and operated by North American. Permission is granted to display and navigate around this web site with a computer using HTML browser software, solely for personal, non-commercial use. Any commercial or public use of this web site or any portion hereof is strictly prohibited.

Except as otherwise permitted by North American, no materials from or any Web site owned, operated, licensed or controlled by North American may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this Web site for non-commercial, personal use only provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this web site for public or commercial purposes, including the text, images, audio, and video, without North American's written permission.

North American neither warrants nor represents that your use of materials displayed on this Web site will not infringe rights of third parties not owned by or affiliated with North American.


Images displayed on this Web site are either the property of, or used with permission by North American. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted herein. Any unauthorized use of these images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

North American and all other trademarks, service marks, trade names, logos and icons used by North American are proprietary to North American or its subsidiaries, and are registered trademarks or service marks of North American and/or its affiliates. Nothing contained on the Web site should be construed as granting by implication, estoppel, or otherwise, any license or right to use any trademark or service mark displayed on this Web site without the written permission of North American or such third party that may own the trademarks or service marks displayed on this Web site. Your use of the trademarks or service marks displayed on this Web site, or any other content on this Web site, except as provided herein, is strictly prohibited.

Use of these marks must be with our permission. We will file appropriate legal action to stop the unauthorized use of these marks.

Questions concerning use of North American's trademarks, service marks, trade names, logos, icons, copyrights or other intellectual property should be addressed to: Sammons Financial Group, Inc., Attention: Senior VP, General Counsel and Secretary, 4350 Westown Parkway, West Des Moines, IA 50266.

Any communications or materials you transmit to this Web site by electronic mail or otherwise, including data, questions, comments, or suggestions, will be treated as nonconfidential and nonproprietary and will become the property of North American or its affiliates. Such communications or material shall be used for any purpose, including, but not limited to, reproduction, disclosure, transmission, publication, broadcast, and posting. Furthermore, North American is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to this Web site for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.