Estate planning at Sammons Financial
How to protect 10 Sammons Financial accounts — manage beneficiaries online, fund a trust by mail, and file death claims
Phone1-877-872-0757
Mailing Address
North American - Life Insurance, One Sammons Plaza, Sioux Falls, SD 57193; North American - Annuity, 8300 Mills Civic Parkway, West Des Moines, IA 50266
WebsiteLearn more→
Phone1-877-872-0757
Mailing Address
North American - Life Insurance, One Sammons Plaza, Sioux Falls, SD 57193; North American - Annuity, 8300 Mills Civic Parkway, West Des Moines, IA 50266
WebsiteLearn more→
Death Claims (Life Insurance: 800-733-2524 | Annuity Claims: 877-880-6367)
Phone1-800-733-2524
Toll-Free1-800-733-2524
Fax1-877-841-6706
Mailing Address
Life Insurance: One Sammons Plaza, Sioux Falls, SD 57193 | Annuity: P.O. Box 10385, Des Moines, IA 50306-0385 (also 8300 Mills Civic Parkway, West Des Moines, IA 50266)
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Verified Jul 2026
With 10 products relevant to estate planning, Sammons Financial policyholders need to understand how beneficiary designations control where proceeds go. These designations override a will, so the names on file with Sammons Financial are what determine who receives the death benefit.
Managing beneficiaries at Sammons Financial is straightforward—changes can be made online, by mail, and by phone, typically taking 15-30 minutes. Trust funding is also available, allowing families to name a trust as the policy beneficiary or establish an irrevocable life insurance trust (ILIT).
Sammons Financial provides specific procedures for both proactive estate planning and filing claims after a death.
Preparing your estate
Beneficiaries and trust funding
How to manage beneficiaries online, fund a trust by mail, and review 10 account types at Sammons Financial.
View details →When someone dies
Death claim process
7-step process, 7 required documents, and contact information for survivors.
View details →Frequently asked questions
Sammons Financial Group's member companies include North American Company for Life and Health Insurance (founded 1886), Midland National Life Insurance Company, Sammons Institutional Group, Sammons Wealth Management, and Lantern Insurance Company. Life insurance and annuity products for individual consumers are issued through North American Company and Midland National. Both are headquartered in the Des Moines/Sioux Falls area. Sammons Financial Group serves over 1 million customers with more than 2,000 employees.
Yes. Both North American and Midland National support trust ownership of annuities via the Certification of Trust Agreement (form 19306Z for North American annuity, form 19306Y for Midland National annuity). A Testamentary Trust cannot be an owner. Note that trust-owned annuities held by non-natural owners may lose tax-deferral advantages unless an exception applies under IRC Section 72(u). Consult a tax advisor before purchasing or transferring an annuity into trust ownership.
Fixed index annuities (FIAs) are the most popular annuity type from both companies. They offer interest credited based on the performance of specific market indices without risk of loss of premium from market downturns. Multi-year guaranteed annuities (MYGAs) guarantee a fixed interest rate for the entire selected contract period. Both companies also offer single premium immediate annuities (SPIAs) for guaranteed income starting immediately. All products are tax-deferred and support trust ownership via the Certification of Trust Agreement (form 19306Z for North American, form 19306Y for Midland National).
Sources
Data sourced from Sammons Financial primary sources (22 pages reviewed). How we research.
Phone1-877-872-0757
Mailing Address
North American - Life Insurance, One Sammons Plaza, Sioux Falls, SD 57193; North American - Annuity, 8300 Mills Civic Parkway, West Des Moines, IA 50266
WebsiteLearn more→
Phone1-877-872-0757
Mailing Address
North American - Life Insurance, One Sammons Plaza, Sioux Falls, SD 57193; North American - Annuity, 8300 Mills Civic Parkway, West Des Moines, IA 50266
WebsiteLearn more→
Death Claims (Life Insurance: 800-733-2524 | Annuity Claims: 877-880-6367)
Phone1-800-733-2524
Toll-Free1-800-733-2524
Fax1-877-841-6706
Mailing Address
Life Insurance: One Sammons Plaza, Sioux Falls, SD 57193 | Annuity: P.O. Box 10385, Des Moines, IA 50306-0385 (also 8300 Mills Civic Parkway, West Des Moines, IA 50266)
WebsiteNotify online→
Verified Jul 2026
Estate planning articles
Learn how to protect your Sammons Financial accounts and other assets with trusts, beneficiary designations, and estate planning documents.
