North Dakota Code § 26.1-12-01

Organization of mutual insurance company - Minimum number of
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members.
Any number of persons, not less than twenty, a majority of whom must be bona fide 
residents of this state, may become, together with others who thereafter may be associated with 
them or their successors, a body corporate for the purpose of carrying on the business of 
mutual insurance as provided in this chapter by complying with this chapter. Any number of 
persons, not less than seven, may form a mutual life insurance company and, with others who 
may become associated with them or their successors, may become a body corporate for the 
purpose of carrying on the business of a mutual life insurance company. A mutual life insurance 
company organized under this chapter may carry insurance upon the lives of persons, including 
every kind of insurance pertaining thereto.

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