Protecting Your Family & Your Privacy

EMC National Life Company Website Use and Privacy Policy

EMC National Life Company (EMCNL) understands that privacy is an important issue for visitors to our website at It is the policy of EMCNL to protect the nonpublic, personally- identifiable information of our customers and to keep this information secure and confidential. The following explanation is provided to help our website visitors understand what information is gathered through our site, how that information is handled and used once it is gathered and the terms and conditions of use of this site.

EMCNL's website consists of secure areas (Agent Access, Policyowner Access, Employer Access) and public access areas. Secure areas require the correct username and password before a visitor is permitted access. Public access areas, by comparison, are available to any visitor.

Secure Areas
Access to EMCNL's secure areas is restricted to EMCNL's agents, policyowners and employer business partners. Individuals within these groups are "authorized" after meeting certain identification criteria and are assigned individual usernames and passwords for secure area access. Nonpublic, personally-identifiable information is obtained from and displayed to our authorized users through secure communications via EMCNL's secure areas. Such information is obtained and displayed as part of the insurance application, underwriting, claims, administration and/or servicing processes. Authorized users are not permitted access to nonpublic, personally-identifiable information that does not pertain to their applicable account(s). For information on how nonpublic, personally-identifiable information is used by EMCNL, refer to and click on the Personal Information Privacy Notice link located on the right side of this page.

To ensure secure communications over the Internet for its secure areas, EMCNL uses Secure Socket Layer (SSL) encryption technology to protect transmitted information from being intercepted while it is in transit over the Internet. Access to EMCNL's secure areas requires proper authentication through the entry of correct usernames and passwords. The system requires passwords to be changed once a year. Once confidential information is gathered and stored within EMCNL's systems, it is protected by firewalls and other access control systems and processes to keep it secure from unauthorized access.

Public Access Areas
EMCNL does not collect or display nonpublic, personally-identifiable information through its public access areas.

Website Visitor Data
To help us improve the content and services of our website, EMCNL gathers data from each site visit. This data allows us to determine how many people visit our website, when they visit, what pages they visit, how long they stay and the website from which they connected to our website. We do not collect nonpublic, personally-identifiable information from visits to our public access areas. For visits to our secure areas, we do collect the visitor's username and information on the services each visitor uses while logged onto our secure areas. This information helps us specifically target improvements to meet our secure areas users' needs.

Cookies are small text files that a website loads on a visitor's hard drive or in temporary memory so the website can give the visitor additional functionality. EMCNL does not use cookies to obtain nonpublic, personally-identifiable information. EMCNL does not load cookies on a visitor's hard drive. For some of our website's services, we will load a cookie containing a session ID into the visitor's temporary, personal computer memory. The session ID allows us to keep track of visitor's transactions within a given service so that the correct responses are presented to the visitor's browser. The cookie goes away when the visitor closes his/her browser. Nonpublic, personally-identifiable information is not involved in this process.

EMCNL's website contains hyperlinks (links) to other websites, and other websites may link to this website. Websites that link to and from EMCNL's website may have different privacy practices from those of EMCNL. The privacy practices described in this Policy apply solely to this website. Visitors to our website should read the privacy policy statements of the other websites they visit, understanding that those policies do not apply to this website and that EMCNL's Policy does not apply to other websites.

By accessing the EMCNL website, you are signifying your consent to EMCNL’s Website Use and Privacy Policy. If you do not agree to the terms and conditions of this Policy, do not access this website. You agree to not share your password with others. Through your use of the hyperlinks, because EMCNL does not have control over these sites, you agree that EMCNL is not directly or indirectly responsible for any liability resulting from the access or use of sites not owned by EMCNL. You also agree that EMCNL is not responsible for any content, advertising, product or any other matter or issue available through the internet, whether linked to or from EMCNL's website.

EMCNL has built security features, including those described in the secure areas section of this Policy, into its internet applications that provide protection for information on EMCNL’s systems and during transmission from EMCNL to the PC or other device you are using. However, it is understood and accepted that it is not possible for EMCNL to unconditionally ensure security and confidentiality from unauthorized third parties when transmitting information across the internet which is a public access network. By using the secure areas of this website, you accept the possible risk of disclosure of information during transmission between your PC or other device and EMCNL and hereby waive any rights and causes of action that might arise in this regard. You agree to hold EMCNL harmless for any damages you or the owner of such information may suffer as a result of such disclosure. Further, you understand that should you decide not to utilize the Secure Socket Layer encryption provided by EMCNL’s site or if unable to utilize the encryption due to federal, state, provincial and/or local regulations, you fully accept any additional risk related to the use of less secure encryption.

From time to time, EMCNL may make changes to this Policy. You should revisit this Policy periodically to learn of any change in our Policy. This Policy was last updated on September 1, 2014.

How To Contact Us
If you have questions or concerns regarding this Website Use and Privacy Policy, you may use one of the following methods to contact us. Remember to include, to the extent applicable, your name, address, and policy or claim number.

Privacy Coordinator
EMC National Life Company
P.O. Box 9202
Des Moines, Iowa 50306-9202




© 2017 EMC National Life Company. All Rights Reserved. Home Office: PO Box 9202, Des Moines, Iowa 50306-9202 - 1.800.232.5818         Facebook Twitter LinkedIn