North American Life Insurance Review

Here’s our North American Life Insurance Review for you. North American Life Insurance uses age, gender, and the quantity of coverage as the key considerations in establishing a policy’s price. To get a better understanding of how much underwriting will cost, review the classes and associated criteria.

Pros and Cons

North American Life Insurance Review - North American Life Insurance Logo


  • This firm is owned and operated by a single family.
  • Cost-effectiveness
  • Money-wise, things are stable.


  • This does not need the use of an online form.
  • On the internet, there are few consumer reviews.

What affects my rate with North American

There is a low-cost preferred non-smoker class in North America. To be eligible, you must fulfill the following health criteria:

  • For three years, tobacco and nicotine-containing goods will be prohibited.
  • No one in the family has died of coronary artery disease or cancer before the age of 60.
  • Maintain a healthy blood pressure to avoid hypertension.
  • Attain a healthy cholesterol level.
  • Your family has no history of heart disease, diabetes, or cancer.
  • There was no sign of drug or alcohol abuse in the household ten years ago.
  • On-road alcohol-related driving and other violations are prohibited.
  • Maintain an appropriate weight for your height.

How to get a quote from North American life insurance

In the United States, term life insurance quotations are accessible online, but you must talk with an agent to apply for coverage.

  1. Request a free term insurance quote by clicking on the Get a Free Term Quote link in the website’s Life Insurance section.
  2. To apply for term insurance, please complete the form below.
  3. Submit your information to see your term life insurance alternatives by clicking the Submit button.

What types of life insurance coverage does North American offer?

There are various types of life insurance to choose from, including the following:

  • Long-term care. Term insurance without additional benefits is available, as is a simplified non-convertible term policy with a minimum benefit of $100,000 and a simplified issue policy that does not need a medical exam. North American also offers a complimentary accelerated death benefit rider.
  • Existence in all locations and eras. Discounts on insurance and interest are possible if the cost of the policy is less than what you are now paying or if interest rates rise above the rate you selected. You may be eligible for a zero percent loan after six years of premium payments.
  • There is a one hundred percent probability of eternal existence. North American offers a variety of low-cost policies, including one with accelerated benefit riders for as little as $25,000 and a face value as low as $100,000.
  • Every aspect of life has been catalogued and indexed. Decide if you want to increase your risk in order to increase your financial worth, or whether you prefer a guaranteed premium in order to leave something for your companion in the case of your death.

What riders can I add to my policy?

With North American, you can tailor your life insurance policy to your specific needs through a variety of extra add-ons.

  • Accelerated death benefits riders. If you have a chronic or terminal condition, you may be eligible for up to 75% of your death benefit.
  • Rider who is still in his adolescence. If one of your children dies while your policy is still active, you will get a small death benefit to assist with funeral expenses if the child’s death is covered under your policy.
  • Rider that assures you are covered in the event of an accident. Additional insurance does not need a medical exam or other proof of insurability.
  • Rider for insurance policies having a split option. There are two unique rules applicable to surviving spouses. To establish your insurability, you must
  • submit to a medical examination. In the case of divorce or the closing of a business, no proof of insurance is required to get a divorce settlement.
  • The premium rider is returning. You’ll receive your money back when your term life insurance policy expires.
  • Rider renounces his or her claim to a higher fare. If you are fully handicapped and unable to work for more than six months, your insurance premiums are waived.

North American life insurance reviews and complaints

North American has an A+ rating with the Better Business Bureau (BBB). Thirteen complaints have been lodged against the firm in the last three years, seven of which have been resolved in the last year. This is a pretty little sum for a corporation of this scale.

Outside of the BBB, customer complaints and reviews are few, although the majority of consumers have a positive experience, with the exception of a few claims that take longer than expected to handle. AM Best A+ is the highest possible financial rating.

Visit our review of New York Life Insurance Review for one more insurance review.

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Dorchester Center, MA 02124