February, 25 2018


Life insurance reviews, news and prices from the top companies

EMC National Life Company Review

EMC National Life Company Review

  • Price
  • Financial Strength

EMC National Life Company Review

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.  Record High Capital Surplus– EMC National Life ended 2013 with a company record high in capital and surplus with $93.60 million in reserve.

Cons: There aren’t too many cons with EMC National Life.  Although, they’re competitive on pricing they typically will not have the absolute lowest rate in the country on their term products.  Also, the company is relatively new, formed in 2003, in comparison to other top insurers.

Bottom Line: EMC National Life Company, and affiliate of EMC Insurance Companies (EMC), is a solid insurance company with competitive prices.  Their life insurance offerings are impressive, which can be seen below in the Life Insurance Products section.  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.


Type: Privately Held

Issued by: EMC National Life Insurance Company

Website: emcnationallife.com

Phone: (800) 232-5818

Address: 699 Walnut, Suite, 1100, Des Moines, Iowa 50309

A.M Best Rating: A- (Excellent) Fourth highest of 16 possible ratings

Comdex Ranking: None

BBB Rating: A+

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.

States Operate In: Licensed in 48 states and the District of Columbia

Competitors: Grange Life Insurance Company, Symetra Life Insurance Company, Mutual of Omaha, John Hancock, PennMutual, Principal, State Farm, Farmers, Allstate, American General Life, Banner Life, Protective Life, Primerica, Genworth Life, Pacific Life Insurance, North American Co, Lincoln National Life, ING-ReliaStar, Transamerica, Prudential, Midland, Cincinnati Life, TIAA-CREF, Guardian, OneAmerica, Minnesota Life, RiverSource, Allianz Life Insurance Company, Thrivent Financial for Lutherans, AAA, Erie, Sagicor, Amica, ANICO, Assurity, Colonial Penn, AARP, Globe Life, Ohio National Life Group, New York Life, Northwestern Mutual, MassMutual.

Price Comparison

Sample rates for a $250,000 policy on a 10-year term at each company’s standard health class, for a 40 year old male, non-smoker.

AgeEMC National LifeProtective LifeBanner LifeMassMutual

What is your experience with EMC National Life Company?  Tell others if you would recommend them to your friends and family.  Please leave a comment and rating below.

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