EMC National Life Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Trusted Choice's EMC National Life Insurance Company Score
4 Stars
We award EMC National Life a final rating of four out of five stars. The privately held insurance company is highly rated by AM Best and the BBB. EMC National Life offers several forms of life insurance coverage to customers in most states across the country. Quick-issue coverage with no medical exam is available.
EMC National Life was founded in 2003 and is an affiliate of EMC Insurance Companies, which was founded in 1911. The insurance company provides various benefits on its coverage, such as accelerated and critical illness riders. Overall, we highly recommend looking into EMC National Life with your independent insurance agent to be your next trusted carrier for life insurance.
EMC National Life Insurance Company Pros and Cons:
| Pros: | Cons: | ||||
|---|---|---|---|---|---|
|
|
||||
|
|
||||
|
|||||
|
|||||
|
|||||
|
|||||
|
To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.
EMC National Life Insurance Products by Type
Here's an overview of the products offered by EMC National Life.
Life Insurance:
- Temporary life insurance
- Permanent life insurance
- Voluntary life insurance
- Workplace whole life insurance
- Group term life insurance
EMC National Life Permanent Life Insurance
EMC National Life offers five distinct permanent life insurance policy options.
Coverage types, features, and benefits:
Accelerated Universal Life
EMC National Life's Accelerated Universal Life insurance policies offer up to $500,000 in coverage and are available for applicants aged 18 to 85. These policies offer 20-year coverage with a no-lapse guarantee, as well as no exam or lab requirements when applying.
Accelerated Whole Life
EMC National Life's Accelerated Whole Life insurance policies offer benefits ranging between $50,001 and $250,000 and are available to applicants aged 18 to 80. No medical exam is required, and applicants may be approved for coverage in as little as two business days. Another perk of these policies is the level premium feature.
Youth Whole Life
EMC National Life's Youth Whole Life insurance policies offer coverage amounts ranging from $2,000 to $50,000. Policies come with guaranteed death benefits, cash values, and premiums.
Single Premium Whole Life
EMC National Life's Single Premium Whole Life insurance policies provide an income tax-free option to set aside money for dependents or to donate to charity. These policies come with guaranteed death benefits and cash values and can be liquified in the event of an emergency. Coverage is available to applicants aged 18 to 85.
Easy Life
EMC National Life's Easy Life insurance policies are available for applicants aged 18 to 80 and offer coverage amounts ranging from $5,000 to $100,000. Coverage is available with no medical exam and policies offer guaranteed cash values, level death benefits, and level premiums.
EMC National Life Permanent Life Insurance Average Prices
EMC National Life does not make its average prices readily available online. Interested customers can contact the carrier directly or work with an independent insurance agent who can provide exact quotes. To get a better idea of how much a life insurance policy might cost you, check out our life insurance calculator.
What Discounts Does EMC National Life Offer?
EMC National Life does not make information about its specific discounts readily available. However, an independent insurance agent can help find these details for you. Independent insurance agents work hard to find you the most affordable coverage that still gets the job done right.
EMC National Life Customer Service
Here's an overview of EMC National Life's customer service options and availability.
- Phone
- Fax
- Snail mail
- Contact form on website
- Phone customer service department has the following hour restrictions:
| Days | Hours (CDT) | ||
| Monday-Friday | 8 a.m. - 4:30 p.m. | ||
| Saturday | CLOSED | ||
| Sunday | CLOSED |
To ensure a great customer service experience, work together with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.
Connect with an EMC National Life Agent Today.
Shopping for insurance? EMC National Life has you covered.
EMC National Life Insurance FAQs
EMC National Life does not provide a specific claims response time frame. Customers can file claims online or by snail mail. Certain types of claims can be filed via email or fax.
EMC National Life is available by phone during regular business hours during the week. The carrier also allows customers to contact them through several mediums.
EMC National Life's official website is well-designed and easy to navigate. The carrier also has an active social media presence that extends across Facebook, X, Pinterest, and LinkedIn, and provides several contact options for its customers.
EMC National Life's insurance products may be right for individuals and commercial customers seeking life insurance coverage. Those in search of quick-issue life insurance with no medical exam required might find the policy they desire from EMC National Life.
EMC National Life offers several options for permanent life insurance. The carrier offers policies that are quick-issue and don't require medical exams or labs for approval.
EMC National Life is a part of the EMC Insurance Companies and is highly rated by AM Best and the BBB. The carrier offers several forms of life insurance in most states. Overall, EMC National Life can indeed be considered a good insurance company.
EMC National Life provides plenty of information online to assist customers with filing claims. However, the carrier does not detail its specific claims process. Your independent insurance agent can answer any questions you may have about the carrier's claims process and file claims for you directly.
https://www.emcnationallife.com/default.htm
https://news.ambest.com/PR/PressContent.aspx?refnum=34050&altsrc=9
https://www.bbb.org/us/ia/des-moines/profile/insurance-services-office/e-m-c-insurance-company-0704-43002645