Why Choose EMC National 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) and a stable outlook from A.M. Best, EMCNL is dedicated to providing superior service and simple products that Make Life Easy.

States Participating

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming


My experience with EMC National Life has been fantastic. I was able to purchase life insurance protection that was inexpensive and its cash value grows. The application process was easy and efficient. I believe I can truly count on EMC to be there for my family. 

Cathy Short

Brand Values

At EMC National Life, we understand it’s our job to ensure our clients’ hopes and dreams survive the unthinkable. We protect the financial security of our customers by partnering with our independent agents to provide appropriate insurance solutions and superior service. 

Insurance Lines

Life Lines