![]() ![]() Rahn, Stephen E., Vice President, Associate General Counsel andĭirector, State Relations, Lincoln National Life InsuranceĬompany, on behalf of the American Council of Life Insurers. Robert, Director of Insurance, Consumer Federation ofĪmerica. Heller, Douglas, Foundation for Taxpayer and Consumer Rights. 49Ĭsiszar, Ernst, Vice President, National Association of InsuranceĬommissioners. 39īerrington, Craig A., Senior Vice President and General Counsel,Īmerican Insurance Association (AIA). On behalf of and past President, Independent Insurance Agents &īrokers of America. 56Īhart, Thomas, President, Ahart, Frinzi & Smith Insurance Agency, Kayes, Democratic Staff Director and Chief Counsel Jeanne Bumpus, Republican Staff Director and General Counsel SUNUNU, New Hampshire BILL NELSON, Florida GEORGE ALLEN, Virginia BARBARA BOXER, California SENATE COMMITTEE ON COMMERCE, SCIENCE, AND TRANSPORTATION For more information, contact the GPO Customer Contact Center, U.S. Printed for the use of the Committee on Commerce, Science, andįor sale by the Superintendent of Documents, U.S. Sample rates for a $250,000 policy on a 10-year term at each company’s standard health class, for a 40 year old male, non-smoker.- FEDERAL INVOLVEMENT IN THE REGULATION OF THE INSURANCE INDUSTRY States Operate In: Licensed in 48 states and the District of ColumbiaĬompetitors: Grange Life Insurance Company, Symetra Life Insurance Company, Mutual of Omaha, John Hancock, PennMutual, Principal, State Farm, Farmers, Allstate, American General Life, Banner Life, Protective Life, Primerica, Genworth Life, Pacific Life Insurance, North American Co, Lincoln National Life, ING-ReliaStar, Transamerica, Prudential, Midland, Cincinnati Life, TIAA-CREF, Guardian, OneAmerica, Minnesota Life, RiverSource, Allianz Life Insurance Company, Thrivent Financial for Lutherans, AAA, Erie, Sagicor, Amica, ANICO, Assurity, Colonial Penn, AARP, Globe Life, Ohio National Life Group, New York Life, Northwestern Mutual, MassMutual. Life Insurance Products: Term Life Insurance, Instant Issue Term Life Insurance (No medical exam), Easy Choice Term (No medical exam), Youth Plus Term life insurance, Universal Life Insurance, Point-of-Sale Guaranteed Increasing Whole Life Insurance (No medical exam), Youth Whole Life Insurance, Level Whole Life, Increasing Whole Life, Easy Choice Whole Life (No medical exam), Workplace Life-Group Life- (Term and Whole Life) and Disability Insurance and Annuities. Issued by: EMC National Life Insurance CompanyĪddress: 699 Walnut, Suite, 1100, Des Moines, Iowa 50309Ī.M Best Rating: A- (Excellent) Fourth highest of 16 possible ratings As with all the life insurance companies we review, we recommend that you receive a quote from EMCNL but also from the other top life insurers as well to ensure you are receiving the best rate and policy. Their life insurance offerings are impressive, which can be seen below in the Life Insurance Products section. Also, the company is relatively new, formed in 2003, in comparison to other top insurers.īottom Line: EMC National Life Company, and affiliate of EMC Insurance Companies (EMC), is a solid insurance company with competitive prices. Although, they’re competitive on pricing they typically will not have the absolute lowest rate in the country on their term products. Record High Capital Surplus– EMC National Life ended 2013 with a company record high in capital and surplus with $93.60 million in reserve.Ĭons: There aren’t too many cons with EMC National Life. Pros: Plethora of Life Insurance Products– EMC National Life Company (EMCNL) offers a very wide range of life insurance solutions to fit nearly any need. ![]()
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