So you’re trying to figure out where Heartland National Life Insurance Company is actually located, right? Maybe an agent mentioned them, or you saw their name pop up while shopping for Medicare Supplement or final expense insurance. Well, you’ve come to the right place because we’re going to break down everything about this company in a way that actually makes sense.
At RiskGuarder, our mission is to transform complex insurance data into actionable insights. Our analysis is based on the official RiskGuarder Review Methodology, which prioritizes regulatory documentation, financial strength ratings, and verifiable industry relationships over marketing claims or promotional content.
Corporate Fact Box: Heartland National Life Insurance Company At-a-Glance
Full Legal Name: Heartland National Life Insurance Company
NAIC Number: 66214
Company Type: Life & Health Insurance Carrier
Year Founded: 1994
Home Office Address:
6467 East 91st Street
Indianapolis, IN 46250
Main Phone Number: (317) 570-4400
Official Website: heartlandnational.com
Primary Products:
- Medicare Supplement Insurance (Medigap)
- Final Expense Life Insurance
- Cancer Insurance
- Hospital Indemnity Insurance
- Accident Insurance
Parent Organization: Heartland National Life operates as an independent carrier with historical ties to the Indianapolis market
Primary Distribution Channel: Independent Marketing Organizations (IMOs) and independent insurance agents
This fact box represents the consolidated answer to the most common research queries about Heartland National Life Insurance Company. Each data point has been verified against regulatory filings, state insurance department records, and official company communications.
Table of Contents
Corporate Headquarters & Contact Information
Heartland National Life Insurance Company’s home office is located at:
6467 East 91st Street
Indianapolis, IN 46250
United States
The company’s corporate headquarters has been based in Indianapolis, Indiana, since its founding in 1994. This location places HNLIC within one of the nation’s significant insurance industry hubs, alongside other major carriers that have historically maintained operations in the Indianapolis metropolitan area.
Primary Contact Methods:
General Inquiries Phone: (317) 570-4400
Agent Support Line: Available through the company’s producer portal
Website Contact Page: heartlandnationallife.com/home/FileClaim
Mailing Address: Same as physical headquarters address listed above
For policyholders seeking to file claims, verify coverage, or make policy changes, the company maintains dedicated service lines accessible through their official website. Independent agents representing Heartland National products typically have access to specialized support channels through their contracting IMO or directly through the carrier’s agent services department.
The Indianapolis location provides the company with access to a mature insurance labor market and proximity to regulatory infrastructure. Indiana’s Department of Insurance, which serves as the primary regulator for HNLIC, maintains offices in Indianapolis, facilitating regulatory communication and compliance oversight.
Business Operations & Market Focus
Heartland National Life Insurance Company operates as a specialized carrier serving the senior insurance market. Unlike diversified insurance conglomerates that offer hundreds of product variations across multiple lines of business, HNLIC has maintained a focused product portfolio centered on the needs of Americans aged 50 and older.
Core Product Lines:
Medicare Supplement Insurance (Medigap): Heartland National offers standardized Medicare Supplement plans designed to cover gaps in Original Medicare coverage. These products follow the federally standardized plan designs (Plans A, F, G, N, etc.) and are subject to both federal Medicare regulations and state insurance department oversight. The company’s Medigap products are distributed in multiple states where they hold active licenses.
Final Expense Life Insurance: This is basically a smaller life insurance policy (usually between $5,000 and $35,000) designed to cover funeral costs and other end-of-life expenses. The nice thing about these policies is they’re usually pretty easy to qualify for – simplified questions, no medical exam for most people. Some even have guaranteed acceptance, though those might have waiting periods before the full benefit kicks in.
Supplemental Health Products: HNLIC’s portfolio includes cancer insurance, hospital indemnity coverage, and accident insurance policies. These supplemental products provide specified benefits for particular medical events and are designed to complement, rather than replace, comprehensive health insurance coverage.
Distribution Model & Industry Partnerships:
Heartland National doesn’t have a bunch of captive agents (you know, the ones who only sell one company’s products). Instead, they work with Independent Marketing Organizations (IMOs) and independent agents. This is pretty common in the senior insurance market.
Prominent distribution partners and IMOs that market Heartland National products include:
Amerilife Marketing Group: One of the nation’s largest insurance marketing and distribution organizations, Amerilife provides training, lead generation, and administrative support to independent agents selling senior market products. Their partnership with HNLIC gives thousands of contracted agents access to Heartland National’s product portfolio.
New Horizons Marketing: A specialized IMO focused on Medicare-related products and senior market insurance solutions. New Horizons provides agents with comparative quoting tools, compliance support, and carrier contracting services, including access to Heartland National products.
Savers Marketing: An established player in the final expense and Medicare Supplement distribution space, Savers Marketing connects independent agents with multiple carrier options, including HNLIC products.
This multi-channel distribution approach allows Heartland National to compete in markets across multiple states without maintaining a large captive agent force. Independent agents benefit from the ability to offer HNLIC products alongside competing carriers, providing consumers with comparative options during the sales process.
State Licensing & Regulatory Standing
An insurance company’s legitimacy and operational authority are confirmed by its state licenses and regulatory standing. Insurance regulation in the United States operates primarily at the state level, with each state’s Department of Insurance responsible for licensing carriers, approving policy forms, monitoring financial solvency, and investigating consumer complaints.
Heartland National Life Insurance Company is a licensed carrier in numerous states across the United States. The specific states where HNLIC holds active licenses can be verified through the National Association of Insurance Commissioners (NAIC) database using the company’s NAIC number: 66214.
Regulatory Documentation & Official Recognition:
North Carolina Department of Insurance: Heartland National is listed as a recognized Medicare Supplement provider by the North Carolina Department of Insurance, appearing in the state’s official directory of licensed Medigap carriers. This listing confirms the company’s authorization to sell Medicare Supplement products to North Carolina residents and indicates compliance with state-specific regulatory requirements.
Indiana Department of Insurance: As an Indiana-domiciled carrier, HNLIC operates under the primary regulatory oversight of the Indiana Department of Insurance. The company has undergone market conduct examinations and financial reviews by Indiana regulators as part of routine regulatory oversight. These examinations assess compliance with state insurance laws, policy form approvals, claims handling practices, and financial reporting accuracy.
NAIC Database Verification: Consumers, agents, and researchers can verify Heartland National’s licensing status, complaint history, and financial data through the National Association of Insurance Commissioners (NAIC) Consumer Information Source. By entering NAIC number 66214, users can access:
- Current licensing status in all states where the company is authorized
- Financial data from annual statements filed with state regulators
- Complaint index scores comparing the company’s complaint volume to industry averages
- Regulatory actions or enforcement proceedings, if any
State-Specific Product Approvals: Each insurance product sold by HNLIC must receive approval from the insurance department in every state where it will be marketed. This means that a Medicare Supplement Plan G sold in Florida must be separately filed with and approved by Florida’s Office of Insurance Regulation, even though it follows the federally standardized plan design. This state-by-state approval process ensures that policy language, premium rates, and marketing materials comply with local consumer protection laws.
Every insurance product they sell has to be approved by the insurance department in each state where they’re selling it. So even though Medicare Supplement Plan G is standardized across the country, Heartland National still has to get approval from Florida regulators to sell it in Florida, Texas regulators to sell it in Texas, and so on. It’s a lot of paperwork, but it’s designed to protect consumers.
Financial Strength & Company Ratings
An insurer’s financial strength rating represents an independent assessment of its ability to meet ongoing insurance obligations and pay future claims. These ratings are produced by specialized agencies that analyze insurance company financial statements, reserve adequacy, investment portfolios, management quality, and business strategies.
A.M. Best Rating:
A.M. Best Company is the oldest and most widely recognized insurance rating agency, specializing exclusively in the insurance industry since 1899. As of the most recent available rating, Heartland National Life Insurance Company holds a financial strength rating from A.M. Best that reflects the agency’s assessment of the company’s balance sheet strength, operating performance, and business profile.
A.M. Best ratings range from A++ (Superior) to F (In Liquidation), with ratings of A- or higher generally considered secure. The rating reflects A.M. Best’s opinion on an insurer’s financial strength and ability to meet its ongoing insurance policy and contract obligations. It is important to note that these ratings represent opinions about relative creditworthiness and financial strength, not recommendations to purchase policies or guarantees of future performance.
For the most current A.M. Best rating for Heartland National Life, consumers should visit ambest.com or request rating information directly from the company, as ratings are subject to change based on annual financial reviews and market conditions.
Demotech Rating:
This is another rating agency that focuses on smaller and regional insurance companies. Not every company has a Demotech rating, but it’s another data point if they do.
Better Business Bureau (BBB) Profile:
The Better Business Bureau provides business reliability ratings based on complaint history, transparency, advertising practices, and responsiveness to consumer issues. While not a financial strength rating, the BBB profile offers insight into customer service quality and complaint resolution practices. Heartland National’s BBB profile can be accessed through bbb.org by searching for the company name and Indianapolis location.
State Insurance Department Financial Data:
Here’s something most people don’t know – insurance companies have to file detailed financial statements with state regulators every year, and these are public records. You can dig into their assets, liabilities, investment portfolio, all that nerdy financial stuff if you’re into that kind of thing. It’s all available through state insurance department websites and the NAIC database.
- Assets and liabilities
- Premium revenue and claims expenses
- Investment portfolio composition
- Reserve adequacy
- Risk-based capital ratios
This financial data is available to the public through state insurance department websites and the NAIC’s online database, providing transparency into the company’s financial condition.
Interpreting Financial Ratings:
When evaluating any insurance carrier’s financial strength, consumers and professionals should consider multiple factors beyond a single rating. A comprehensive assessment includes examining complaint ratios, regulatory history, years in business, product specialization, and the carrier’s role within a broader distribution network. For policies with long-term obligations, such as life insurance, financial strength becomes particularly important, as the insurer must maintain solvency over decades to fulfill its contractual promises.
NAIC Complaint Index & Customer Experience Data
The National Association of Insurance Commissioners maintains a complaint database that allows consumers to compare complaint volumes across insurance companies. The NAIC Complaint Index provides a ratio comparing a company’s share of complaints to its share of the market, with a score of 1.00 representing the industry average.
Understanding the NAIC Complaint Index:
- Score of 1.00: The company receives complaints in proportion to its market share (average)
- Score above 1.00: The company receives more complaints than expected based on its market size
- Score below 1.00: The company receives fewer complaints than expected based on its market size
For Heartland National Life Insurance Company, complaint data can be accessed through the NAIC Consumer Information Source by entering NAIC number 66214. The database breaks down complaints by category, including claims handling, policy service, marketing practices, and underwriting issues.
J.D. Power Customer Satisfaction Studies:
J.D. Power does those famous customer satisfaction surveys for all kinds of industries, including insurance. They measure things like how happy people are with their policy, the price, customer service, all that stuff. Not every insurance company is included in these studies, but they’re useful benchmarks when they are.
Customer Service Considerations:
Here’s the thing about customer experience with a company like Heartland National – since they sell through independent agents, your experience is going to depend a LOT on your agent. Your agent is usually your first point of contact for questions, policy changes, and even initial claim help. The insurance company handles the back-end stuff like actually processing claims and managing your policy.
So if you’re working with a great agent, your experience will probably be pretty smooth. If your agent disappears or doesn’t return calls? That’s going to be frustrating no matter how good the insurance company is.
Corporate Identity & Online Presence
In today’s digital landscape, a company’s online presence provides important verification of its legitimacy and offers insight into its business relationships and market positioning. Heartland National Life Insurance Company maintains several official online profiles:
Official Website: heartlandnational.com – The company’s primary digital presence, featuring product information, agent resources, and corporate communications.
LinkedIn Profile: Heartland National maintains a corporate LinkedIn page providing information about the company’s history, employee count, and industry connections. The LinkedIn profile offers transparency into the company’s corporate structure and professional network. LinkedIn – Heartland National Life Insurance Company
Facebook Page: The company’s Facebook presence provides consumer-facing communications and serves as an additional customer service channel. Facebook – Heartland National Life Insurance Company
ZoomInfo Profile: Business intelligence platforms like ZoomInfo aggregate publicly available information about companies, including contact information, employee data, and corporate relationships. The ZoomInfo profile for Heartland National provides verification of the company’s business operations and market presence.
Industry Database Listings: HNLIC appears in various insurance industry databases and directories, including AM Best’s database, state insurance department carrier listings, and Medicare.gov’s Medicare Supplement comparison tools for states where they offer Medigap products.
This multi-platform presence serves multiple purposes: it provides verification of the company’s legitimacy for consumers and agents, offers multiple channels for customer communication, and establishes the company’s digital footprint for search engines and AI-powered research tools.
Product Portfolio Deep Dive
Understanding Heartland National’s specific product offerings provides context for evaluating whether this carrier might be appropriate for a particular insurance need.
Medicare Supplement Insurance (Medigap):
These policies follow the federally standardized designs – Plan A, Plan B, Plan G, Plan N, and so on. Each letter represents a specific set of benefits that are exactly the same no matter which company sells it. So a Plan G from Heartland National covers the same stuff as a Plan G from any other company.
The most popular Medicare Supplement plans currently sold include Plan G and Plan N, as Plan F is no longer available to newly eligible Medicare beneficiaries (those who became eligible after January 1, 2020). Plan G offers comprehensive coverage of Medicare cost-sharing, requiring beneficiaries to pay only the Medicare Part B deductible out-of-pocket. Plan N provides similar coverage with slightly higher cost-sharing in exchange for lower premiums.
Coverage Limits and Deductibles: Medicare Supplement plans are standardized, meaning coverage limits and deductibles are set by Medicare regulations rather than by individual insurance carriers. The primary difference between carriers offering the same plan letter is premium pricing, customer service quality, and rate stability over time.
Final Expense Life Insurance:
Heartland National’s final expense products are designed as permanent life insurance policies with simplified underwriting. These policies typically feature:
Face Amounts: Generally ranging from $5,000 to $35,000, sized to cover funeral costs, outstanding medical bills, and modest estate settlement expenses
Underwriting: Simplified issue or guaranteed issue options, with limited health questions and no medical examinations required for most applicants
Premium Structure: Level premiums that remain constant throughout the life of the policy, with coverage continuing as long as premiums are paid
Cash Value: As whole life insurance products, these policies accumulate modest cash value over time that can be borrowed against or surrendered
Waiting Periods: Some guaranteed issue policies include graded death benefit periods, where full death benefits are only payable if the insured survives for a specified period (typically two years) after policy issue
Supplemental Health Products:
The supplemental insurance products offered by HNLIC provide specified benefits for particular medical events:
Cancer Insurance: Pays predetermined benefits upon cancer diagnosis and for cancer-related treatments, including chemotherapy, radiation, surgery, and hospitalization
Hospital Indemnity Insurance: Provides fixed daily benefits for hospital confinement, regardless of actual expenses incurred, helping to offset out-of-pocket costs not covered by major medical insurance
Accident Insurance: Pays benefits for accidental injuries, including emergency room visits, fractures, dislocations, and accidental death
These aren’t meant to replace comprehensive health insurance – they’re supplements. They give you extra financial breathing room when specific medical events happen.
Frequently Asked Questions About Heartland National Life Insurance Company
Where is Heartland National Life Insurance Company’s home office located?
Ever wondered where the magic happens for Heartland National Life Insurance Company? Well, their main office, the “home base,” is chilling out at 6467 East 91st Street, Indianapolis, IN 46250.
They’ve actually been headquartered in Indianapolis since way back in 1994 when they first started. So, it’s not like they’re hopping around. This is where all the big stuff goes down: managing policies, handling claims (the less fun part, usually!), crunching numbers, and making sure they’re following all the rules. Basically, it’s their corporate HQ!
Is Heartland National Life Insurance Company a legitimate company?
Yep! They’re licensed in multiple states, regulated by state insurance departments (mainly Indiana’s), have an NAIC number (66214) that you can look up, carry financial ratings from independent agencies, and work with well-known insurance marketing organizations. You can verify all of this through state insurance department websites and the NAIC database.
What is Heartland National Life Insurance Company’s NAIC number?
Heartland National’s NAIC number is 66214. This unique identifier is assigned by the National Association of Insurance Commissioners and is used to track the company across all regulatory databases, complaint systems, and financial filings. Consumers and professionals can use this NAIC number to research the company’s licensing status, complaint history, and financial data through the NAIC’s Consumer Information Source at content.naic.org/cis_consumer_information.htm.
Who owns Heartland National Life Insurance Company?
This is a good question! Heartland National Life Insurance Company actually operates as its own thing—an independent insurance carrier. So, no huge corporate overlords directly owning them, which is kinda cool, right?
If you’re a super sleuth and really want to dig into their ownership structure or if they’re part of a bigger family of companies, you can totally find that info. It’s all in the public records! You’d look at regulatory filings from the Indiana Department of Insurance or check out their annual statement filed with the NAIC (that’s the National Association of Insurance Commissioners—they keep tabs on all insurance companies).
My Tip: For the absolute freshest info, just hit up their latest annual statement or ping the Indiana Department of Insurance directly. They’ll have the most current scoop!
Is Heartland National Life Insurance Company a good company?
“Good” is such a subjective word, especially when it comes to insurance, right? What’s “good” for one person might be totally wrong for another. It’s like asking if a specific brand of coffee is “good”—depends on your taste!
When you’re trying to figure out if Heartland National (or any insurance company, for that matter) is a good fit, here’s what you should look at, instead of just relying on random opinions:
Their Money Situation: How financially strong are they? Check ratings from agencies like A.M. Best. You want a company that’s got its ducks in a row and can actually pay claims.
Complaint Score: How many complaints do they get compared to other companies their size? The NAIC complaint index is your friend here! Lower is better, obviously.
How Old Are They?: Have they been around the block a few times, or are they a brand new kid on the block? Longer history usually means more stability.
Licensed & Legal?: Are they actually licensed to sell insurance in your state? Super important!
What Do They Sell?: Do their products actually match what you need? Don’t buy a fancy sports car if you need a family minivan, ya know?
Price Check! Are their premiums competitive compared to similar plans from other companies? Always shop around!
Customer Service Vibe: How’s their support? Is it easy to get help, or do you feel like you’re talking to a robot?
My Honest-to-Goodness Advice: Instead of just asking if they’re “good,” compare specific policies from a few different companies. Look at those complaint ratios and financial ratings like a hawk! And seriously, talk to a licensed insurance pro. They can give you personalized advice based on your unique situation, which is way better than just guessing.
What states is Heartland National Life Insurance Company licensed in?
Heartland National is licensed in a bunch of states across the U.S. They’re not just a one-state wonder!
To find out exactly where they’re currently licensed, you can use the NAIC Consumer Information Source. Just type in their NAIC number, which is 66214. It’s like their official ID number.
Heads up though: where a company is licensed can change. They might start selling in new states or pull out of others. So, before you commit, always double-check their current licensing in your state. You can usually do this on your state’s insurance department website or through that NAIC database. Don’t buy a policy from someone not licensed where you live!
How do I contact Heartland National Life Insurance Company?
Need to chat with them? No problem!
Phone: You can give them a ring at (317) 570-4400.
Online: Their official website is heartlandnational.com. It’s usually got contact forms, tools to find an agent, and resources if you need help with your policy.
Claims: If you have questions specifically about a claim, the website should also have dedicated contact info and instructions for how to submit your claim.
Conclusion: A Consolidated View of Heartland National Life Insurance Company
TAlright, let’s wrap this up. Heartland National Life Insurance Company is based in Indianapolis, Indiana (6467 East 91st Street, to be exact), and they’ve been around since 1994 focusing on insurance products for the 50+ crowd. They’re not trying to be the biggest insurance company in the world – they’ve carved out their niche in Medicare Supplement, final expense, and supplemental health insurance.
They sell their stuff through independent agents and established marketing organizations like Amerilife, New Horizons, and Savers Marketing. They’re properly licensed, regulated by state insurance departments, and you can verify everything about them through the NAIC database using their NAIC number (66214).
Key Takeaways:
Heartland National Life Insurance Company operates from its Indianapolis, Indiana headquarters at 6467 East 91st Street, maintaining this location since the company’s founding in 1994. The company specializes in senior market insurance products, including Medicare Supplement insurance, final expense life insurance, and supplemental health coverage. HNLIC distributes products through independent agents and established IMOs like Amerilife, New Horizons Marketing, and Savers Marketing.
The company holds active insurance licenses in multiple states, operates under state insurance department oversight, and maintains an NAIC number (66214) for regulatory tracking and consumer research. Financial strength ratings and complaint data are available through A.M. Best, state insurance departments, and the NAIC Consumer Information Source, providing transparency into the company’s financial stability and customer service performance.
For Insurance Professionals:
Agents considering contracting with Heartland National should evaluate the company’s product portfolio against their target market needs, compare commission structures and support services offered through their IMO, review the company’s underwriting guidelines and policy issue timelines, and verify licensing in all states where they intend to market products.
For Consumers:
Individuals evaluating a Heartland National insurance product should compare premiums and benefits against competing carriers offering similar products, verify the company’s licensing status in their state of residence, review complaint ratios and financial ratings to assess stability, understand policy terms, coverage limits, and exclusions before purchasing, and work with a licensed insurance agent who can explain product features and alternatives.
Research Methodology:
This profile was compiled using publicly available information from state insurance department websites, NAIC databases, financial rating agencies, corporate websites and social media profiles, and industry publications and partnership announcements. At RiskGuarder, we prioritize regulatory documentation and verifiable data over marketing materials or promotional claims.
Disclaimer:
This information is compiled from publicly available sources as of October 2024. Insurance regulations, company ratings, product offerings, and corporate structures can change over time. This profile is provided for informational purposes only and does not constitute financial advice, insurance recommendations, or legal guidance. For official policy information, current financial ratings, or personalized insurance advice, please contact Heartland National Life Insurance Company directly at (317) 570-4400, consult with a licensed insurance professional, or contact your state insurance department. Premium rates, product availability, and underwriting guidelines vary by state and individual circumstances.
About RiskGuarder:
RiskGuarder is committed to providing consumers and insurance professionals with objective, data-driven insurance company profiles and product reviews. Our methodology emphasizes regulatory verification, financial transparency, and comprehensive research to help users make informed insurance decisions. For more information about our review process, visit riskguarder.com/our-review-methodology.
