![]() ![]() ![]() Life Insurance Products: Term Life Insurance, Instant Issue Term Life Insurance (No medical exam), Easy Choice Term (No medical exam), Youth Plus Term life insurance, Universal Life Insurance, Point-of-Sale Guaranteed Increasing Whole Life Insurance (No medical exam), Youth Whole Life Insurance, Level Whole Life, Increasing Whole Life, Easy Choice Whole Life (No medical exam), Workplace Life-Group Life- (Term and Whole Life) and Disability Insurance and Annuities. Issued by: EMC National Life Insurance CompanyĪddress: 699 Walnut, Suite, 1100, Des Moines, Iowa 50309Ī.M Best Rating: A- (Excellent) Fourth highest of 16 possible ratings As with all the life insurance companies we review, we recommend that you receive a quote from EMCNL but also from the other top life insurers as well to ensure you are receiving the best rate and policy. Their life insurance offerings are impressive, which can be seen below in the Life Insurance Products section. Also, the company is relatively new, formed in 2003, in comparison to other top insurers.īottom Line: EMC National Life Company, and affiliate of EMC Insurance Companies (EMC), is a solid insurance company with competitive prices. Although, they’re competitive on pricing they typically will not have the absolute lowest rate in the country on their term products. Record High Capital Surplus– EMC National Life ended 2013 with a company record high in capital and surplus with $93.60 million in reserve.Ĭons: There aren’t too many cons with EMC National Life. Pros: Plethora of Life Insurance Products– EMC National Life Company (EMCNL) offers a very wide range of life insurance solutions to fit nearly any need. ![]()
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