About North American

As a leading provider of life insurance and annuities in the United States, North American has fulfilled commitments to our customers since 1886. Families and businesses have trusted North American to be there during their most challenging times and to help prepare them for the good times ahead. North American has helped people for over 130 years through outstanding customer service, competitive insurance and retirement solutions, and a foundation of financial strength. This unwavering commitment helps customers stay focused on the things that matter most to them.

Independent ownership keeps the focus on customers

North American offers something unusual in the insurance industry: private ownership. This means they aren't subject to short-term earnings pressures often faced by publicly traded companies. This private ownership creates an atmosphere where personal, efficient service to customers and distribution partners is the priority.

North American products

Life insurance and annuities offer financial protection for individuals and families. It's important to trust that the company providing this financial protection will be around for the long-term.

North American's independent financial professionals offer a wide array of products to suit many individual needs:

Life insurance

Wherever you are in life, North American has a life insurance product designed to help meet your needs. North American's independent financial professionals offer term, universal, indexed universal life insurance policies to provide policyowners and beneficiaries with their financial goals throughout the many stages of life.

North American's division, Sammons® Corporate Markets Group, provides life insurance products specifically for banks, credit unions, business corporations, and government entities. The Corporate Markets Group provides life insurance products to help fund future benefit obligations such as retirement benefits and post-retirement medical costs. Today, Sammons Corporate Markets Group is a leading provider of Bank Owned Life Insurance in our country.

Fixed index, traditional fixed and immediate annuities

North American's annuities are designed to provide guarantees backed by the company's highly-rated financial strength. Independent agents of North American can assist customers in seeking annuities suitable for their individual needs based on state-by-state buying guides.

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.

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.  The policy's death benefit is paid upon the death of the insured. The policy does not continue to accumulate cash value and excess interest after the insured's death. Please refer to the customized illustration provided by your agent for additional detail. For costs and complete details, call or write North American Company for Life and Health Insurance, Administrative Office, One Sammons Plaza Sioux Falls, SD 57193. Telephone: 877-872-0757.

Indexed Universal Life Insurance 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.

Fixed index annuities are not a direct investment in the stock market. They are long term insurance products with guarantees backed by the issuing company. They provide the potential for interest to be credited based in part on the performance of specific indices, without the risk of loss or premium due to market downturns or fluctuations. Although fixed index annuities guarantee no loss of premium due to market downturns, deductions from your accumulation value for additional optional benefit riders could under certain scenarios exceed interest credited to the accumulation value, which would result in loss of premium. They may not be appropriate for all clients. Interest credits to a fixed index annuity will not mirror the actual performance of the relevant index.