Permanent LIFE INSURANCE


ACCELERATED UNIVERSAL LIFE

One product can now fulfill all your universal life needs.


At face amounts up to $500,000, Accelerated Universal Life offers access to the latest underwriting technologies, providing fully underwritten results with lightning fast decisions. If you are seeking higher benefit amounts, AUL provides a traditional underwriting process.

Accelerated Universal Life Highlights:
  • Issue ages 18-85
  • 20-year no lapse guarantee*
  • Benefit amounts **
      Accelerated underwriting up to $500,000
      Traditional underwriting from $500,001+
  • No exam or labs required for qualified insureds utilizing accelerated underwriting
  • Accelerated process saves on underwriting time and features competitive fully underwritten rates
  • Traditional underwriting is great for business accounts needing larger benefit amounts for key person insurance or buy/sell agreements
  • All six underwriting classes are available for benefit amounts greater than $50,000

* Shorter guarantees if issue age greater than 60
** Depending on the applicant’s issue age



ACCELERATED WHOLE LIFE

Designed for speed and convenience.

Accelerated Whole Life features automated methods of gathering applicant information resulting in a quicker application process, faster underwriting and rapidly issued polices. Using smart data, we allow applicants to bypass medical requirements while retaining competitive rates.

Accelerated Whole Life Highlights:

  • Issue ages 18-80
  • Benefit amounts of $25,001 to $250,000 based on the applicant’s issue age
  • 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



YOUTH WHOLE LIFE

Provide the gift of a lifetime.

Youth Whole Life provides protection for a lifetime at a guaranteed fixed price.

Youth Whole Life Highlights:

  • Guaranteed death benefit, cash values and premiums
  • Coverage amounts from $2,000 - $50,000
  • Options for the future (surrender cash values or reduced paid-up insurance)
  • Accelerated Death Benefit Rider and Seat Belt Benefit Rider available in states where approved



SINGLE PREMIUM WHOLE LIFE

Protect the money you have earned and transfer funds to your children or grandchildren.

Single Premium Whole Life is designed to provide an alternative to CDs and annuities by providing an income tax-free way to transfer money to future generations or a favorite charity.

Single Premium Whole Life Highlights:

  • Guaranteed death benefit and cash values
  • Liquidity in case of an emergency
  • Competitive return on investment
  • Issue ages 18-85
  • Faster underwriting decisions for face amounts up to $250,000
  • Accelerated Death Benefit and Seat Belt Benefit Riders included at no additional cost



Disability Income Rider

You insure assets such as your home and car, but your most important asset is your ability to earn an income.

The Disability Income Rider can be added to your new individual term, universal or whole life insurance policy to help protect you and your loved ones from loss of income due to disability or death.

Disability Income Rider Highlights:

  • Maximum benefit amount of 1% of total face amount up to $5,000 per month
  • Insured is totally disabled if unable, due to sickness or injury, to perform all of the material and substantial duties of his or her regular occupation
  • Benefits are not coordinated with Social Security or Workers' Compensation
  • Elimination period options of 30, 60 or 90 days before benefits are paid
  • Benefit period up to two years
  • Terminal Illness benefit



EASY LIFE

Data-driven whole life insurance.

Planning for final expenses, covering debts and leaving a legacy are stressful decisions many people avoid. However, making choices about these matters does not have to be difficult. Easy Life is a whole life insurance product designed for ease and simplicity. It is an online-only product that is immediately issued.

Easy Life Highlights:

  • No medical exams
  • Simplified underwriting
  • Short form application
  • Issue ages 18-80
  • Coverage amounts from $5,000 - $100,000
  • Guaranteed cash values, level death benefit and level premiums
  • Accelerated Death Benefit and Seat Belt Benefit Riders included at no additional cost in states where approved


Easy Life

EMC National Life (EMCNL) is a financially strong life insurance company and life affiliate of EMC Insurance Companies, an insurance enterprise that has been in business for more than 100 years. With a rating of “A-“ (Excellent) with a stable outlook from A.M. Best, EMCNL is dedicated to providing superior service and simple products that Make Life Easy.

Notice



This data is intended for summary information purposes only. If you are considering initiating a policy transaction, or if you have a question, please contact the Corporate Office.

Links

Contact Us

EMC National Life Company
P.O. Box 9202
Des Moines, IA 50309
Phone: 800-232-5818
Fax: 800-439-9526
Email: help@emcnl.com

©  EMC National Life Company, Des Moines, IA 50306 - All Rights Reserved.