Free Term Quote

North American's term life insurance helps provide protection when your family may need it most. Whether you've recently married, taken on a mortgage, or started a family, term life insurance can help cover expenses or replace income should the unexpected happen.


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Coverage Amount: (minimum of $100,000) (maximum of $5,000,000)	$

The minimum coverage amount is $100,000 for ADDvantage Term. For amounts below $100,000 or above $5,000,000, please contact your North American sales representative.


This instant term quote lists the most economical annual / monthly premiums we offer based on the information you provided above.

Classic Term
Classic Term is designed for extremely competitive premiums. It's a "no-frills" product that does not offer additional riders, accelerated death benefit endorsements, convertibility, or renewals.

ADDvantage^® Term
ADDvantage Term offers economical rates and additional features that make it an exceptional value, including the ability to accelerate a portion of the death benefit for a qualifying illness, subject to eligibility requirements¹, and a conversion privilege² that allows you to convert your term policy to a permanent policy without additional underwriting

1. The death benefit will be reduced by the amount of the death benefit accelerated. Since benefits are paid prior to death, a discount will be applied to the death benefit accelerated. As a result, the actual amount received will be less than the amount of the death benefit accelerated. An administrative fee is required at the time of election.

2. Conversion is allowed during the level period of the policy, or through age 74 (69 for ADDvantage 30), whichever is earlier. The conversion period is never less than 5 years regardless of issue age.

Product rates shown are based on the age and face amount entered and are subject to change during the application and underwriting process.

Premiums are effective as of the date quoted and are subject to change. Rates include policy fees.

Premiums are guaranteed to remain level for the initial 10, 15, 20, or 30 year period. After the premium guarantee period, premiums will increase annually but will never exceed the Guaranteed Annual Renewal Premium.

Texas Residents: Receipt of acceleration-of-life-insurance benefits may affect your, your spouse's, or your family's eligibility for public assistance programs such as medical assistance (Medicaid), Aid to Families with Dependent Children (AFDC), supplementary social security income (SSI), and drug assistance programs. You are advised to consult with a qualified tax advisor and with social service agencies concerning how receipt of such a payment will affect your, your spouse's, or your family's eligibility for public assistance.

ADDvantage Term (policy form series LS174), or state variations, including all applicable riders and endorsements, is issued by North American Company for Life and Health Insurance, Administrative Office, One Sammons Plaza, Sioux Falls, SD 57193. Product, features, riders, endorsements or issue ages may not be available in all jurisdictions. Limitations or restrictions may apply. Not licensed in New York.

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