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EMC Life

EMC National Life Company sells insurance in 48 states and the District of Columbia. It has been in business since 2003, when it was formed from the merger of Employers Modern Life Company and National Travelers Life Company.

EMC offers a range of whole life insurance policies with guaranteed premiums and death benefits. Several of these policies may be used as burial or final expense insurance. Most of EMC’s policies feature a lower minimum age than is standard for whole life policies. The firm’s Point-of-Sale Guaranteed Increasing Whole Life policy is best suited to burial insurance purposes. It requires no medical exam, it is open to those aged 18 to 85, and it offers an immediate underwriting decision by the end of the initial phone call interview. The policy features coverage amounts from $2,000 to $150,000.

Do I have to use burial insurance benefits on funeral expenses?

If you are the policy holder of a burial or final expense plan, your beneficiary will have some options regarding the policy’s death benefit after you pass away. Many beneficiaries opt to use all or part of the death benefit to cover burial expenses, but they are not required to do so. Burial expense payouts may be used for any purchase, bill, debt, or loan, with no restrictions.

How do you apply for burial insurance?

If you’re looking for an easy way to apply for burial insurance, look no further than the website of your preferred insurance company. You’ll probably need to answer a medical questionnaire to determine which level of coverage you can obtain. You’ll also need to provide the company with some personal as well as billing information in order to sign up immediately. Alternatively, many websites allow you to chat with a live insurance agent. You can also call or visit the company if you prefer to speak to someone face to face.

Do burial insurance premiums change?

The majority of final expense and burial insurance policies guarantee their premiums, meaning that your monthly (or annual) fees will never increase as long as you pay them on time. Your premium payments will be determined by a number of factors including pre-existing health issues, your age, your location, etc. Once you have accepted a premium and signed on the dotted line, your premium will not change for the life of the policy.

While premiums don’t change, payout options differ, so be sure to ask your insurance agent whether or not your death benefits are staggered. In some cases, your family may not receive all of the promised payout if you don’t meet the policy requirements.

How to get started

If you are already an EMC Life insurance customer, you should contact your local office and inquire about a final expense policy. If you are a prospective customer, you can connect with an agent by using the contact information listed below. You may also shop for policies using our comparison tool by clicking on the following link.

Financial Strength Ratings

AM Best – No rating
Moody’s – No rating
Standard & Poor – No rating

Company contact info

EMC National Life Company
PO Box 9202
Des Moines, IA 50306-9202
(800) 232-5818