North American was founded in 1886 as the North American Accident Association and has amassed more than 130 years of experience in the financial services realm.

According to the most recently available public data, North American has over 662,000 active annuity and life insurance policies as of December 31, 2021.

About North American

North American became the first company to offer disability insurance policies for women early in the 20th century.

North American is a member of privately held Sammons Financial Group and has earned high rankings in WINK Sales and Market Reports and LIMRA for its fixed index annuity sales.

According to North American’s website, “With over 130 years of business under our belt, North American’s continued and consistent financial strength is a result of our conservative and disciplined investment strategy, our private ownership structure, and doing what’s right for our distribution partners and policyowners.”


Existing annuity policyholders with North American can contact the company through the following number: 1-866-322-7069

Credit Ratings

Credit ratings are opinions provided by independent agencies that measure insurance companies’ financial strength. The higher the rating, the higher the likelihood the company can cover its financial obligations.

These ratings can help you compare annuity providers. You should also take the respective rates and fees into account when choosing the best company for you.

North American Credit Ratings

AM Best S&P Global Fitch
A+ (superior) A+ (strong) A+ (stable)

North American is also a Better Business Bureau-accredited organization, so the company must meet specific standards for lawful and ethical business practices.

It’s high ratings reflect North American’s financial strength and are, according to the company, “testaments to that strength.”

While the ratings apply to North American’s claims paying ability, the ratings do not reflect the safety of variable accounts.

Annuity Products Offered by North American

North American issues flexible annuity products to meet a wide range of client needs. Currently, the provider offers fixed index, multi-year guaranteed and single premium immediate annuities.

In 2022, North American added a new index offering to several of its top fixed annuity products.

Fixed Index Annuities

This is North American’s most popular annuity. Fixed index annuities earn interest based on the performance of a market index, such as the S&P 500. In the event of a market downturn, these annuities offer premium protection to keep your money safe.

Multi-Year Guaranteed Annuities

American National offers multi-year guaranteed annuities, or MYGAs. These products have a guaranteed interest rate for the term designated in your contract.

Single Premium Immediate Annuities

The single premium immediate annuity, or SPIA, issued by North American begins paying out within 12 months of the annuity contract’s date of purchase. SPIAs provide guaranteed income for a specified duration or — in the case of a lifetime annuity — for the rest of the annuitant’s life.

Client Resources

North American provides resources and customer service to foster a positive client experience.

The business provides online reading materials to help people build financial literacy. The literature covers topics such as money management, cost savings and retirement planning. North American also provides buyer’s guides from the National Association of Insurance Commissioners. These help consumers navigate specific annuity types and their state-specific regulations.

For those who already own annuity products, clients can easily access online annuity claim forms and a Claims FAQ site.

learn more

If you have an annuity with North American, you can log into your account at:

North American’s Account Login Page

About has provided reliable, accurate and trustworthy financial information to readers since 2013. We partner with professionals like those from Senior Market Sales (SMS), a market leader with over 30 years of experience in the insurance industry, to offer personalized retirement solutions for consumers across the country.

Any information offered about the company above is provided free of charge and individual product offerings are verified and accurate as of publication.

Our partners work with the provider companies mentioned on our site. However, is not a service provider. Actual products, terms and rates offered through the above company are subject to in-state availability and a variety of other factors. Visit the Our Partners page for additional information.

Please seek the advice of a qualified professional before making financial decisions.
Last Modified: July 4, 2023
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