Life Insurance for Individuals

Below is a summary of available life insurance and annuity products for individuals.*



Build tax-deferred savings and receive a guaranteed income stream.


Annuities are retirement savings plans for tax-qualified and nonqualified funds. Premium payments grow with tax-deferred interest. Withdrawals are available with certain qualifications. Savings can provide a guaranteed income for life or for a specified period.


Term Life Insurance

Term Life Insurance provides protection for a specified period of time. If you die within the term period, a death benefit is paid to your named beneficiary. Protection ends if you are still living at the end of the term period, unless you renew the policy. Term Life is a good option for covering needs that may diminish in time.


** Credit card payment is not accepted in MD, NC and PA. Annual payment mode is not available in ME. For Youth Plus Term, non-monthly modes are accepted only.     Credit card payment is not accepted for monthly check plan.


Universal Life Insurance

Your life changes, so do your life insurance needs.

Universal Life (UL) Insurance offers the flexibility to change your policy as your life changes. Marriage, children, job status and time can impact your life insurance needs. When premium requirements are met, a UL policy provides permanent life insurance protection with cash value accumulation.


Whole Life Insurance

Secure the financial future of your family.

Whole Life Insurance offers permanent life insurance protection with a guaranteed death benefit and guaranteed premium payments. Premiums pay the cost of insurance protection and create cash value on a tax-deferred basis. Loans are available.

*** Death benefit increase rates are not guaranteed until declared. However, once declared by the Company, the increased death benefit is guaranteed.



* Not all products and riders are approved in all states. Complete product and rider details are contained in the respective policy forms for each product and may vary by

© 2010 EMC National Life Company. All Rights Reserved. Home Office: P.O. Box 9202, Des Moines, Iowa 50306-9202 - 1.800.232.5818