Help Center
Health Insurance
What is group health insurance?
Group health insurance provides coverage to employees and their families under a single policy offered by an employer. It's often more affordable than individual plans and may include medical, dental, and vision benefits.
How does individual health insurance work?
Individual health insurance is coverage you buy on your own, not through an employer. It's ideal for self-employed individuals or those without access to group coverage.
What are PPO vs. HMO plans?
PPO plans offer more flexibility in choosing providers, while HMO plans require referrals and have lower out-of-pocket costs.
What are supplemental health benefits?
Supplemental benefits provide additional coverage for services like dental, vision, critical illness, and accident insurance that complement your main health plan.
How do pre-existing conditions affect coverage?
Under the Affordable Care Act, insurers cannot deny coverage or charge more due to pre-existing conditions in most health insurance plans.
How can I get a health insurance quote?
You can request a personalized quote through our website or by contacting one of our agents who will help find the best coverage for your needs.
Life Insurance
What types of life insurance are available?
Common types include term life (coverage for a set period) and whole life (lifetime coverage with cash value growth).
Who needs life insurance?
Anyone with financial dependents, debt, or long-term planning goals can benefit from life insurance.
How do life insurance premiums work?
Premiums are based on age, health, policy type, and coverage amount. They can be paid monthly, quarterly, or annually.
What is the difference between term and whole life insurance?
Term life covers a specific period with no cash value, while whole life includes lifelong coverage and a cash value component that grows over time.
Can I convert a term policy to whole life?
Many term policies offer conversion options to whole life, allowing you to change coverage without a medical exam.
How do I file a life insurance claim?
Contact your agent or the insurance company with the policy number and death certificate to start the claims process.
Personal Insurance
What does auto insurance cover?
Auto insurance can include liability, collision, comprehensive, personal injury protection, and uninsured motorist coverage.
Should I bundle my home and auto insurance?
Bundling often leads to discounts and simplifies management by combining policies under one provider.
What is landlord insurance?
Landlord insurance covers rental property structures and liability, often excluding tenant belongings.
How can I lower my auto insurance premiums?
Maintaining a good driving record, bundling policies, and increasing deductibles can help reduce premiums.
Do I need flood insurance?
Flood insurance is typically separate from homeowners insurance and is recommended if you live in a flood-prone area.
What is renters insurance?
Renters insurance protects your personal belongings and liability if you rent your home or apartment.
Business Insurance
What is a Business Owners Policy (BOP)?
A BOP bundles general liability and property insurance for small to mid-sized businesses, offering broad protection.
What is professional liability insurance?
Also known as errors and omissions (E&O), it protects businesses from negligence or inadequate work claims.
Do I need commercial auto insurance?
If you use vehicles for business, you need a commercial policy to cover liability, damage, and drivers.
How does workers' compensation insurance work?
Workers' comp provides wage replacement and medical benefits to employees injured on the job.
What is cyber liability insurance?
Cyber liability covers financial losses due to data breaches, cyberattacks, and other online risks.
How can I get a business insurance quote?
Request a quote by contacting our agency with details about your business size, type, and coverage needs.
About Our Agency
How does North American Mutual work?
We are an independent insurance agency offering tailored solutions through top-tier carriers. We help clients find the right coverage without pushing a single provider.
Can I get a quote online?
Yes. Our website allows you to request quotes for multiple coverage types. We'll follow up with customized options.
How are agents compensated?
Our agents are paid through commissions by carriers — you don’t pay extra for working with us.
What should I expect during the quote process?
Our agents will gather information, assess your needs, and present coverage options with competitive rates.
How do I file a claim?
Contact your agent or carrier directly. We assist clients throughout the claims process for smooth resolution.
Frequently Asked Questions
Do you charge fees for consultations?
No, consultations and quote requests are free of charge.
Are you licensed in all states?
We are licensed in most U.S. states. Contact us to verify your state.
Can I change my coverage later?
Yes. We help you make adjustments as your life or business needs evolve.
How long does it take to get a quote?
Quotes typically take 24-48 hours after submitting your information.
What information do I need to get a quote?
You will need personal or business details, coverage preferences, and any relevant history (like driving or claims records).
