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Benefits of Return of
Premium Life Insurance
- Premiums for unused policies refunded entirely at end of term
- Policy provided through EMC National Life, an established and trusted company
- Death benefits paid tax free to your loved ones in the event of a tragedy
About EMC National Life
EMC National Life Company (EMCNL) resulted from the merger of National Travelers Life Company into Employers Modern Life Company, effective July 1, 2003. The Company is a stock life insurance company in which 45 percent of the economic ownership (51 percent of the voting stock) rests with the policyholders of EMC National Life Mutual Holding Company and 55 percent of the economic ownership (49 percent of the voting stock) with Employers Mutual Casualty Company and Hamilton Mutual Insurance Company. Employers Mutual Casualty Company, Hamilton Mutual Insurance Company and subsidiary companies operate under the trade name of EMC Insurance Companies (EMC). EMC National Life Company is affiliated with EMC.
EMC Quick Facts
- Organized in 1911
- Headquartered in Des Moines, Iowa
- Employs more than 2,100 people countrywide
- Assets of nearly $3 billion
- One of the largest property and casualty entities in Iowa
- Among the top 60 insurance entities countrywide
- Licensed in all 50 states; primarily conducts business in 41 states
- Provides reinsurance worldwide
- Written premium for the property/casualty and reinsurance companies is more than $1 billion
- 16 branch offices and 5 service offices across the country
- Represented by over 3,200 independent insurance agencies
- Approximately 80 percent of the company's business is commercial lines, with the remaining 20 percent in personal lines
- Rated "A-", (Excellent) by A.M. Best indicating a strong ability to meet the obligations owed to policyholders. EMC Reinsurance Company is rated an "A-" (Excellent) as well.