EMC National Life Insurance Company Review

EMC National Life Insurance Company at a Glance

EMC National Life pros: Highly rated by AM Best and the BBB. An affiliate of EMC Insurance Companies. Offers several forms of life insurance, along with coverage riders. Offers coverage with no medical exam.

EMC National Life cons: Difficult to find customer feedback. Only one main type of insurance offered. Coverage not available nationwide.

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What Type of Insurance Does EMC National Life Offer?

Here's an overview of the products offered by EMC National Life.

Your independent insurance agent can help you find more information about the coverages offered by EMC National Life, and help you decide if this insurance company is right for you.

What to Know about EMC National Life

EMC National Life was founded in 2003, giving the carrier a couple decades worth of experience in the insurance industry. The carrier is an affiliate of EMC Insurance Companies, which was founded in 1911. The EMC network has 19 branch locations across the US.

EMC National Life is a privately held insurance company. The carrier offers several forms of life insurance coverage and annuities in many different states. Their LinkedIn social media network states that the insurance company has between 51-200 total employees.

Thanks to their strong parent company, EMC National Life has earned itself a reputation as a stable insurance provider. AM Best gives EMC Insurance Companies an overall “A-” rating, indicating the carrier is an excellent choice for insurance customers. High ratings from AM Best assure customers that EMC National Life offers guaranteed coverage.

Established in 1899, AM Best is one of the oldest rating companies in the world. Reviews from AM Best indicate an insurance company’s financial strength and creditworthiness and are based on comprehensive evaluations of the company’s operating performance, business profile, and annual report. 

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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. 

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.

EMC National Life FAQ

What is EMC National Life's average claim response time frame?

EMC National Life does not provide a specific claims response time frame.

What is EMC National Life's customer service availability?

EMC National Life is available at regular business hours during the week via phone, and allows customers to contact them through several mediums.

What is EMC National Life's claims process?

EMC National Life does not provide much information about its claims process beyond how to file. However, an independent insurance agent can file claims for you, as well as keep you updated through every step of the process.

Does EMC National Life's create a user-friendly experience for customers?

EMC National Life's official website is well laid out and easy to navigate. The carrier also has an active social media presence and provides several contact options for its customers.

Does EMC National Life have good whole life insurance?

EMC National Life offers several forms of life insurance, and a few types of whole life insurance, as well. One of which is accelerated whole life, which offers the following perks/benefits.

• Issue ages 18-80
• Benefit amounts of $25,001 to $250,000 based on the applicant’s issue age
• Payment period options of continuous pay, 5-Pay, 10-Pay and 20-Pay
• No medical exam required
• Potential to receive an offer in as little as two business days
• Great for people looking for affordable level premium for the rest of their lives

An independent insurance agent can help you find more information about EMC National Life's whole life insurance, as well as their other products offered.

Is EMC National Life a good insurance company?

EMC National Life is a part of the EMC Insurance Companies and is highly rated by AM Best and the BBB. Overall, EMC National Life can indeed be considered a good insurance company.

TrustedChoice.com's Final Review

We award EMC National Life a final rating of 4 out of 5 stars. An affiliate of EMC Insurance Companies, the carrier is highly rated by AM Best and the BBB. EMC National Life offers several forms of important life insurance coverage to customers in 19 states across the country.

EMC National Life provides several contact options for their customers and various benefits on their 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.