North American Customer Service, Claims, and Bill Pay Contacts

Contact directory

North American phone numbers and official links

Start with the table below. Each row shows a phone number or official link we found on North American's own website, plus what it's for. Tap a number to call from your phone.

Common reasons to contact North American

• File a death claim as a beneficiary
• Check a policy's cash value or loan balance
• Make a premium payment or set up bank draft
• Change a beneficiary or address
• Request an in-force illustration or policy copy
• Ask about surrenders, withdrawals, or annuity payments

Tips for a faster call

Have your North American policy number and the named insured's details ready before you call. Write down the date, the name of the person you speak with, and any reference or claim number they give you. If you're calling about a claim, ask what the next step is, how long it usually takes, and how you'll get updates. If you're calling about a bill, ask for the amount due, the due date, and whether your last payment has posted.

If you'd rather not wait on hold, check whether North American offers the same service online or in an app. Many policy changes, ID card requests, and payments can be handled without a call.

Claims

How to file and track a North American claim

North American provides an online notification of death form for reporting a life or annuity claim. The form requires a valid policy number and all required fields to be completed. Use the official Report a Death page to begin. The page lists separate claim categories for annuities and life insurance, so select the category that matches the account.

For phone assistance, the company lists 1-800-733-2524 for life claims and 1-877-880-6367 for annuity claims. International numbers are also listed: 712-847-1350 for life claims and 712-847-1341 for annuity claims. Claim assistance hours shown on the Report a Death page are Monday through Thursday, 7:30 a.m. to 5:00 p.m. CST, and Friday, 7:30 a.m. to 12:30 p.m. CST. Have the policy number, insured person's information, and your contact details ready when you call or submit the form.

Before you report a claim

• Find the policy details. Look for the policy number and the insurance company's name on the policy, statements, or bank records showing premium payments.
• Get certified death certificates. Most companies ask for a certified copy. The funeral home can usually order several.
• Contact the company's claims team. Ask for a claim form and a list of the documents they need.
• Complete the claim form carefully. Each beneficiary usually files separately. Include your contact and tax information.
• Keep copies of everything. Save the claim number and notes from every call.

What happens after you file

After North American receives a complete claim, it reviews the policy, the beneficiary designation, and the documents. Claims can take longer if the policy is less than two years old, the cause of death needs review, or paperwork is missing. Beneficiaries can usually choose how to receive the proceeds, such as a lump sum.

If you can't find a policy, the NAIC offers a free Life Insurance Policy Locator that searches participating companies for policies in a deceased person's name. If you disagree with a claim decision, ask North American for a written explanation. You can also contact your state insurance department.

Billing

How to pay your North American bill

North American's services page states that customers can make a one-time life insurance payment through the online account. Use the official services link to access that option. After submitting a payment, save the confirmation and review the account to confirm that the transaction posted.

The company states that account information is available 24/7, anytime and anywhere. For policy-specific billing instructions, check the billing statement, policy documents, or online account. Have the policy number available when contacting customer service about a payment.

Whichever method you choose, save your billing statements and payment confirmations until the policy term ends. If you change banks or cards, update your payment details with North American before the next draft date so a payment doesn't fail.

Tips for paying safely

• Use official channels only. Pay through North American's website, app, or the number on your statement, or through your agent.
• Check the web address before you enter card or bank details, and be wary of payment links sent by text or email.
• Keep your confirmation number for every payment.
• Ask about autopay or paid-in-full options. Some companies offer them.
• Act quickly on a late notice. Grace periods vary by company and state, and a missed payment can lead to cancellation.

Company background

About North American

North American Company for Life and Health Insurance, also known as North American, was founded in 1886 in Chicago as the North American Accident Association. The company is headquartered in West Des Moines, Iowa. The listed headquarters address is 4350 Westown Parkway, West Des Moines, IA 50266, and the company built a new corporate headquarters there in 2021.

North American is a member company of Sammons Financial Group. One company brochure identifies Sammons Enterprises, Inc. as the parent company and describes Sammons Financial Group as the member organization. Products and services mentioned include life insurance, fixed index annuities, traditional fixed annuities, multi-year guarantee annuities, single premium immediate annuities, and the MNL FoundationCore Plus Fixed Annuity. Contact North American to confirm product availability and service options for your location.

Your agent

How Blake Insurance Group can help North American customers

As an independent agency, we can help you reach the right North American team, organize claim paperwork, and follow up if a request stalls. North American decides claims and issues payments, but we can help you understand the process.

We can also review whether your current coverage still fits. Learn more about life insurance, term life insurance, and final expense insurance.

Take the next step

Need help reaching North American?

Call us and have this ready so we can help quickly.

• Your North American policy number.
• Your claim number, if you've already reported the claim.
• The date and a short description of what happened.
• Your most recent billing statement, if the question is about a payment.
• The best phone number and time to reach you.

Shopping for coverage or want a second opinion? Our licensed agents compare options from multiple companies. Office hours are Monday to Friday, 9:00 to 5:00.

Common questions

Frequently asked questions

Keep researching

Related guides and official sources

These Blake Insurance Group pages can help with related questions.

We checked the contact details on this page against North American's websites and these consumer sources in September 2026:

• North American: Ef49708a a38e 06df 05bf 08128ba2a67e (external site)
• North American: North american company history (external site)
• North American: Report a death (external site)
• North American: Services (external site)
• NAIC: Life Insurance Buyer's Guide (PDF) (external site)
• NAIC: Insurance fraud (external site)
• NAIC: Consumer resources and state insurance departments (external site)

Contact information disclosure: Blake Insurance Group LLC is an independent insurance agency. We are not North American, and this page is not operated by or affiliated with North American. We gathered the phone numbers and links on this page from North American's own public websites in September 2026 so policyholders can reach the company quickly. Numbers, hours, and options can change and can differ by state, product, and policy, so confirm them on your policy documents. Claims decisions, payments, and billing are handled by the insurance company under your policy. Company names are used for identification only, and links to other websites are provided for convenience. Your policy documents control your coverage.