EMC National Life Company Review

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When it comes to picking the right life insurance company, you have a lot of factors to consider.

There are the premiums, policy types, and underwriting process to examine, not to mention the company’s history and its financial stability.

As you weed through the details, you may be wondering how much the company’s age should factor into your decision.

What do you do when you encounter a provider like EMC National Life Company, which was formed in the 21st century?

While EMC National is fairly young, its short but successful track record might just warrant a spot on your shortlist of life insurance companies.

Quick Links

  1. History
  2. Ratings
  3. Products
  4. Company Summary

Our EMC National Life Company Review

EMC National Life Insurance Company logoEMC National Life Company is a subsidiary of EMC Insurance Companies in Des Moines, Iowa.

It was formed as a result of a merger between Employers Modern Life Company and National Travelers Life Company in July of 2003.

Under the current structure, EMC holds 49% of the common voting stock. Policyholders have 51% of the common voting stock through the holding company.

The company is well-known for its steadfast dedication to personalized service.

This intimacy is possible because EMC National Life partners with independent agents during the insurance process.

This client-friendly partnership fuels their slogan of “Making Life Easy.”

Additionally, EMC National Life has a network of 20 branch and service offices spread across the country with over 2,300 employees.

The emphasis on accessibility means representatives can respond quickly and efficiently to each area’s market and business needs.

EMC National strives to uphold the pillars of Honesty, Integrity, Service, Teamwork, and Continuous Improvement.

It’s their way of making the insurance process easy.

EMC Insurance Companies earned the Best Practices Award for Excellence in 2019.

The Independent Insurance Agents & Brokers of America (IIABA) gives this national award to recognize companies for outstanding contributions.

EMC National Life also supports a wide range of charitable organizations in Iowa, including the Greater Des Moines Botanical Garden, Iowa College Foundation, and the United Way.

Financial Strength and Ratings

Based on end-of-the-year reports from 2018, EMC National Life has $2.9 billion in total assets.

It is also coming off record highs in capital and surplus with more than $122 million in reserve.

Currently, EMC National Life has $900 million in total invested assets and $13 billion of insurance in force.

It also has a positive and reliable credit rating.

EMC National Life currently holds an “A-” from A.M. Best.

This rating is synonymous with “excellent” and indicates that a company is overwhelmingly likely to meet its ongoing insurance obligations.

In terms of consumer reviews, EMC National Life does not have accreditation from the Better Business Bureau (BBB).

They do, however, hold an “A+” rating, which is the highest possible mark from the BBB. There are also virtually no customer reviews or complaints.


EMC National offers customers a number of life insurance products.

Let’s take a closer look at what each one encompasses.


Term life insurance offers policyholders the lowest cost policy and covers mortgages, income replacement, and short-term debt.

These policies can be anywhere from 5 to 30 years long.

EMC National offers four varieties, including Instant Issue Term, Term Select, Easy Choice Term, and Youth Plus Term.

  • Instant Issue Term Insurance: This is a straightforward coverage option for new car and homeowners. This one-stop policy provides guaranteed premiums and death benefit amounts. There are also no paper applications, and the online version is fast and convenient.
  • Term Select Insurance: Term Select is ideal for protecting your mortgage, business, or farm, as well as short-term debt relief. There are a variety of coverage amounts, including up to eight different types of riders.
  • Easy Choice Term: If you have short-term debt, the Easy Choice Term is a worthwhile option, with coverage from $5,000 to $100,000 for people ages 18 to 70. There are no medical exams, the application is brief, and the underwriting process is streamlined.
  • Youth Plus Term: Parents can provide for their children with Youth Plus Term. After a single- or two-year premium payment, policyholders can receive $150,000 of total coverage, including $5,000 to $20,000 in death benefit options. Policyholders can also change Youth Plus Term to a permanent plan at 25.


Universal life insurance is more flexible than its whole life counterpart.

Policyholders can adjust the premiums and death benefits based on their preferences and needs.

Generally speaking, the premiums are relatively low and include an element of investment savings.

EMC National Life offers one type of universal life insurance policy called Ultra Choice UL.

People with Ultra Choice UL can get a starting policy of $10,000 and borrow from the cash value of their plan via insurance loans, plus a small interest rate.

Additional features include tax-deferred interest as well as the option to include several types of riders.


EMC National Life offers eight different whole life policies, varying in everything from the speed of the payments to total coverage amounts.

Point-Of-Sale Guaranteed Increasing Whole Life might be the wordiest product title, but it is quite simple.

The policy covers final expenses up to $150,000. Anyone between the ages of 18 to 85 is eligible for this no exam policy.

EMC National Life also has two forms of Level Whole Life insurance.

Their single premium version offers guaranteed cash value and a death benefit up to $250,000.

The continuous payment option has regular payments, $1 million in coverage, and no limits on the number of riders.

Other options include the Youth Whole Policy, with a guaranteed death benefit, premiums, and cash value, and Easy Choice Whole Life insurance, a simplified policy with coverage up to $50,000.

Finally, Increasing Whole Life insurance boosts the cash value and death benefit at regular intervals starting at $2,000.

Additional Products

EMC National Life Company offers commercial insurance in addition to their personal products.

These provide cost-effective benefits to both employers and employees.

Policies come in 10, 20, and 30-year terms, with benefits ranging from $5,000 to $150,000 per employee.

These plans provide temporary and permanent coverage, depending on which you choose. Each policy comes with guaranteed premiums and no medical exams.

Large organizations, entities, or districts may also consider Group Term Life and Group Disability Income insurances.

This term life option is a renewable form of insurance for 10 or more employees and comes with a minimum death benefit of $10,000.

The disability option can be short or long-term, depending on employer preferences.


As you can see, EMC National Life has a lot to offer.

Here are some of the best aspects of working with EMC National Life as your insurance provider:

  • Area of coverage: EMC National Life products are available in all 48 contiguous states, as well as Washington, D.C.
  • Customer experience: Their customer-centric approach and high flexibility mean EMCNL can address concerns efficiently and find solutions quickly.
  • Product variety: The company also offers a wide range of products customers can tailor to their needs, including policies for both personal coverage and the workplace.
  • Flexibility: EMC National Life lets its policyholders select a level of coverage that works on their terms and does not require medical examinations for approval.
  • Financial stability: Policyholders can rest assured knowing EMCNL has strong financial prowess to back its policies. EMC National Life even set company records when it came to capital and surplus back in 2013.


EMC National Life is not without its shortcomings.

As you consider partnering with the company, keep the following in mind:

  • Rates: EMC National Life is not one of the largest companies in the insurance industry, and thus, customers cannot expect the lowest rates possible on their policies.
  • Location limits: If you live in Alaska or Hawaii, EMC is not even an option for you.
  • Age: Compared to other insurers, the EMC National Life Company is relatively young. Born out of the 2003 merger, it does not have the same cache as other top competitors.

Final Thoughts

EMC National Life Company is impressive in every respect.

In less than 20 years, it has built a solid reputation in the industry, climbing to admirable heights.

Their lineup of life insurance products is robust. With so many policy types and add-ons to choose from, you’re bound to find a policy to meet your needs.

But before you sign the dotted line on an EMC National Life policy, make sure you’re getting the best deal possible.

With a quick comparison of quotes from top providers, you may be surprised what rates you’re eligible for.

EMC National Life Company Review

(800) 232-5818
P.O. Box 9202
Des Moines, IA 50309


Jason Fisher

Jason Fisher is the founder and CEO of BestLifeRates.org, LLC. and a multi-state licensed life insurance agent who has helped over a million Americans seek out affordable coverage, compare quotes, or get their family and businesses covered.