Ethos and North American: Speed and strength
[Ethos is a technology company dedicated to bringing protection to millions of families with fast, online life insurance coverage. We’ve partnered with North American to provide the benefits of index universal life through our simple application process. For more information, visit us at Ethos.com .]
[North American Company for Life and Health Insurance® is a leading U.S. insurance company, focused on providing growth, income, and financial protection in all types of market and economic environments throughout its 100-plus year history. North American is currently rated A+ by A.M. Best 1,2 , S&P Global 3 and Fitch Ratings 4 , reflecting its financial strength, operating performance, and ability to meet policyholder obligations. For more information, visit SammonsFinancialGroup.com .]
[ 1 A.M. Best is a large third-party independent reporting and rating company that rates an insurance company on the basis of the company’s financial strength, operating performance, and ability to meet its obligations to policyholders. The ratings above apply to Midland National Life Insurance Company and North American Company for Life and Health Insurance's financial strength and claims-paying ability. A.M. Best rating affirmed on August 13, 2024. For the latest rating, access ambest.com. Awarded to Midland National Life Insurance Company and North American Company for Life and Health Insurance as part of Sammons® Financial Group Inc., which consists of Midland National® Life Insurance Company and North American Company for Life and Health Insurance®. A.M. Best rating affirmed on August 13, 2024. For the latest rating, access www.ambest.com. Midland National and North American are rated "A+" (Superior) by A.M. Best - effective August 13, 2024. "A+" is the second of 15 ratings. 2 Sammons Financial Group® is comprised of North American Company for Life and Health Insurance®, Midland National ® Life Insurance Company, including its divisions Sammons® Corporate Markets Group, Sammons Retirement Solutions®, Inc. and Sammons Financial Network ®, LLC, member FINRA. 3 S&P Global Ratings awarded its "A+" (Strong) rating for insurer financial strength on Feb. 26, 2009 and affirmed on May 22, 2024 to Midland National Life Insurance Company and North American Company for Life and Health Insurance as a member of Sammons® Financial Group , Inc. The "A+" (Strong) rating, is the fifth highest out of 22 available ratings. 4 A+ (Stable) Rated by Fitch Ratings. Fitch Ratings, a global leader in financial information services and credit ratings, on June 26, 2024, assigned an Insurer Financial Strength rating of A+ Stable for Midland National and North American. This rating is the fifth highest of 19 possible rating categories. The rating reflects the organization’s strong business profile, low financial leverage, very strong statutory capitalization and strong operating profitability supported by strong investment performance. For more information, read the Fitch Ratings report. ] [ Sammons Financial® is the marketing name for Sammons® Financial Group, Inc.’s member companies, including North American Company for Life and Health Insurance®. Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, North American Company for Life and Health Insurance® .] All guarantees and benefits of the insurance policy are subject to the claims-paying ability of the issuing insurance company. They are not backed by the broker-dealer and/or insurance agency selling the policy, or any affiliates of those entities other than the issuing company affiliates, and none makes any representations or guarantees regarding the claims-paying ability of the issuer. Ethos Index Universal Life Insurance is not a deposit, not FDIC insured, may go down in value, not insured by any federal government agency, and not guaranteed by any bank or savings associations.Neither Ethos, North American Company for Life and Health Insurance nor their representatives provide tax or legal advice. You may want to consult your attorney or other tax professional for more information. [ Policy form number: P100AL ] North American Company for Life and Health Insurance © [ 2025 ] Ethos Technologies Inc. Ethos operates in some states as Ethos Life Insurance Services. CA license #0L28949; AR license #100164629. [Accumulation] Index Universal Life Insurance (form [ xxxxxxxxxx ] and state variations) is issued by North American Company for Life and Health Insurance. The product is not available in New York. North American and Ethos Technologies Inc., are separate, independent entities. This report is not complete and cannot be presented without the Basic Illustration. Please refer to the Basic Illustration for guaranteed elements and other important information, including non-guaranteed elements. Benefits and values shown are not guaranteed, and the assumptions on which they are based are subject to change by the insurer. Actual results may be more or less favorable.
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