North American Company for Life and Health Insurance® has been helping families protect their financial futures for well over a century, supported by strong industry ratings and a diverse range of annuity solutions. Their annuity portfolio provides agents with competitive, easy‑to‑position products that address some of the biggest retirement concerns your clients face today, income stability, market volatility, and long‑term security.
Why North American Annuities Stand Out
North American offers fixed index annuities (FIAs), multi‑year guaranteed annuities (MYGAs), and single‑premium immediate annuities (SPIAs), providing flexible planning options for virtually every retirement need. FIAs remain their most popular offering because they combine growth potential with downside protection, interest credits are linked to an index but without exposure to market loss.
These products cater to a wide range of financial goals: guaranteed lifetime income, legacy planning, principal protection, or predictable interest accumulation. Whether your clients are approaching retirement or already there, North American’s lineup makes it possible to tailor solutions without sacrificing safety or long‑term reliability.
Top Benefits for Insurance Agents
Competitive, Flexible Product Portfolio
You gain access to FIAs, MYGAs, and immediate annuities with modern features such as enhanced liquidity riders and premium‑bonus options. Their popular VersaChoice 10℠ FIA, for example, offers flexible withdrawal provisions and multiple index strategies, making it easier to match solutions to the client’s retirement income style.
Strong Financial Ratings for Easier Client Conversations
Backed by long‑standing A+ ratings from AM Best, high credit ratings from S&P and Fitch, and more than 100 years in business, North American delivers the financial strength and consumer confidence agents rely on when recommending guaranteed products.
Commission Opportunities & Support Resources
All annuity sales through licensed insurance professionals include commission compensation, giving agents attractive growth potential. North American provides dedicated agent assistance teams to support new business, underwriting, and contracting questions.
Simplified Online Account Management
Agents and clients benefit from streamlined online tools, including account updates, withdrawals, beneficiary changes, and premium management, making post‑sale service efficient.
Key Benefits for Your Clients
Protection From Market Loss
Fixed index annuities credit interest based on index performance but are insulated from direct market participation, helping clients avoid losses during downturns.
Guaranteed Income Options
Clients can choose lifetime income or period‑certain payouts, helping ensure their retirement income cannot be outlived.
Tax‑Deferred Growth
All North American annuities allow earnings to grow tax‑deferred until distributed, supporting long‑term accumulation.
Liquidity Options Where Needed
Select annuities, uch as the VersaChoice 10℠, offer enhanced liquidity, including up to 20% withdrawals after year one with certain riders.
Agent Resources
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Disclaimer – This material is for informational and example purposes only and is not a contract. Product features, benefits, rates, underwriting guidelines, and availability are subject to change at any time without notice. For the most current and complete details, please refer to official North American Annuities documentation and resources.