life promises term

Personal Life Insurance– For Agent Use Only –

Life Promises TermAgent Product & Rate Guide

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CONTENT

Product Highlights 1

Product Summary 2

Underwriting 4

Build Charts 4

Underwriting Class Criteria 5

Medical Requirements 6

Life Insurance Replacement/Existing Coverage Forms 7

Riders 8

Claims 10

Sample Marketing Materials 11

Supply Order Form 14

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Life Promises Term – Product Highlights

When to AskLife events provide great opportunities for you to talk about term insurance. Do you have clients who are:

• Getting Married – For the first time, someone else is relying on their income.

• Buying A Home – Sometimes it’s hard to make the mortgage with both paychecks. How would they with just one?

• Having Children – From diapers to college tuition, the costs add up quickly.

• Paying Debts – Besides the house, there are car payments, credit cards, tuition costs and everyday expenses.

What to AskUse these life events to start a conversation. Just Ask. If something were to happen to you:

• Would your spouse’s income be enough to cover the monthly rent/mortgage and other bills?

• What about paying off debts like a car loan?

• Could your family continue their standard of living on your spouse’s income alone?

• Would your plans for the future, like college, stay intact?

How to SolveTerm insurance is designed to meet temporary needs. It makes sense when your clients have a need for coverage that will disappear at a specific point in time (e.g. once a particular debt is paid off or their children graduate from college).

• Accelerated Term 2.0 features our most advanced accelerated underwriting process yet, providing instant underwriting decisions at face amounts up to $1,000,000. With the use of predictive models and enhanced data sources, we’ve been able to eliminate the telephone interview process and random holdouts, increase the maximum face amount and decrease most rates. Accelerated Term 2.0 also features some of the best pass-through rates in the industry.

• Life Promises Term is a traditionally underwritten term product for those who do not qualify for accelerated underwriting or require face amounts higher than $1,000,000. All six underwriting classes are available, and standard nontobacco rates include chewers, pipe users and cigar smokers. It’s ideal for clients seeking a customizable life insurance solution; multiple riders can be added including an Additional Insured Term Rider, Term Insurance Rider for Children, Accidental Death Benefit Rider, Accelerated Death Benefit Rider, Terminal Illness Rider, Seat Belt Benefit Rider, Unemployment Benefit Rider and Disability Income Rider in states where approved.

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LIFE PROMISES TERM LIFE INSURANCE POLICY FORM ICC20ELP053/ELP053

PRODUCT SUMMARY

The policy, the riders and their provisions may vary or be unavailable in some states. Please refer to state specific policy form ICC20ELP053/ELP053 and rider forms ELR246, ICC16ELR020/ELR020, ICC19ELR026/ELR026, ELR009, ICC16ELR022/ELR022, ICC15ELR018/ELR018, LP740 and AML8856 for all contractual provisions, benefits and limitations.

ISSUE AGES (age last birthday)

PLANS RATE GUARANTEE ISSUE AGES

5-YEAR 5 YEARS 18-80 10-YEAR 10 YEARS 18-80 15-YEAR 15 YEARS 18-70 20-YEAR 20 YEARS 18-65 25-YEAR 25 YEARS 18-60 30-YEAR* 30 YEARS 18-50

* Maximum issue ages on the 30-year plan may be limited due to Standard Nonforfeiture Law testing.

UNDERWRITING CLASSES MINIMUM FACE AMOUNTSuper Preferred Nontobacco (SPN) $100,000 Preferred Nontobacco (PN) $100,000 Standard Plus Nontobacco (SN+) $100,000 Standard Nontobacco (SN) $50,000 Preferred Tobacco (PT) $100,000 Standard Tobacco (ST) $50,000

RATES/RATE BANDS

$50,000-$99,999 Male/Female Tobacco/Nontobacco $100,000-$249,999 Male/Female All Underwriting Classes $250,000-$499,999 Male/Female All Underwriting Classes $500,000-$999,999 Male/Female All Underwriting Classes $1,000,000+ Male/Female All Underwriting Classes

ANNUAL POLICY FEE

$50 non-commissionable

PREMIUM CALCULATIONS

Annual rates are displayed. For annual premium: Annual Rate x Amount/1000 + $50 Policy Fee = Annual Premium

For modes other than annual: Annual Premium x Mode Factor = Mode Premium

MODE FACTORSemiannual .52 round by rule of 5 up Quarterly .265 round by rule of 5 up Monthly Check Plan or Credit Card .085 round by rule of 5 up

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EXCHANGE OR RENEWAL OPTION

The policyowner can elect to exchange or renew the policy at any time during the first term period described below:

PLANS TERM PERIOD

5-Year 5 Years 10-Year 10 Years 15-Year 15 Years 20-Year 20 Years 25-Year 25 Years 30-Year 30 Years

EXCHANGE OPTION

If the insured can provide full evidence of insurability, the policy can be exchanged for a new term policy. The premium will be based on the then current rate at the attained age. Exchange is not available if the insured’s age exceeds the maximum issue age of the plan at the end of the first term. If the exchange is not applied for, the original policy can be continued by paying the renewal premium, as outlined in the Renewal Option.

RENEWAL OPTION

After the first term period, one year renewable term periods will be allowed until the policy anniversary nearest age 95 without evidence of insurability.

CONVERTIBLE

This base term policy may be converted without evidence of insurability to a permanent whole life or flexible premium adjustable life policy designated by the company on the date of conversion. The amount cannot exceed the face amount of the term policy. Conversion may be made prior to the earlier of the end of the first term period or attainment of age 75. If the insured is receiving disability waiver of premium benefits, the policy will automatically convert to an ordinary life policy at the end of the conversion period and premiums will continue to be waived.

REINSTATEMENT

The policy may be reinstated within five years after lapse while the insured is living subject to the following conditions:1. A completed application for reinstatement is received. 2. The insured is insurable at the same underwriting class as originally issued. 3. All requested premium is paid upon approval of reinstatement. Premium is not to be submitted with the application

for reinstatement.4. The suicide exclusion and two year contestable period will both commence again with the date of reinstatement.

RIDERS AVAILABLE*

Accelerated Death Benefit Rider – ELR246 Accidental Death Benefit Rider – ICC16ELR020/ELR020 Additional Insured Term Rider – ICC19ELR026/ELR026 Disability Income Rider – ELR009 Term Insurance Rider for Children – ICC16ELR022/ELR022 Terminal Illness Rider – ICC15ELR018/ELR018 Seat Belt Benefit Rider – LP740 Unemployment Benefit Rider – AML8856*See page 8 for rider availability by state

ILLUSTRATION

A signed illustration is not required.

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UNDERWRITING

SUPER PREFERRED BUILD CHARTHeight Male Max. Weight Female Max. Weight Height Male Max. Weight Female Max. Weight

4’8” 132 126 5’9” 190 1824’9” 137 130 5’10” 196 186

4’10” 141 133 5’11” 204 1904’11” 145 138 6’0” 208 1955’0” 149 142 6’1” 212 2005’1” 153 147 6’2” 217 2055’2” 157 151 6’3” 223 2105’3” 161 156 6’4” 229 2155’4” 166 161 6’5” 235 2205’5” 171 165 6’6” 240 2255’6” 177 170 6’7” 245 2305’7” 182 174 6’8” 250 2355’8” 186 178

PREFERRED BUILD CHARTHeight Male Max. Weight Female Max. Weight Height Male Max. Weight Female Max. Weight

4’8” 145 136 5’9” 206 2004’9” 149 140 5’10” 212 205

4’10” 153 144 5’11” 217 2104’11” 157 149 6’0” 223 2165’0” 161 154 6’1” 228 2225’1” 165 159 6’2” 235 2285’2” 169 164 6’3” 242 2335’3” 173 169 6’4” 248 2395’4” 178 174 6’5” 255 2455’5” 183 179 6’6” 262 2505’6” 189 184 6’7” 268 2565’7” 195 189 6’8” 275 2625’8” 200 195

STANDARD PLUS BUILD CHARTHeight Male Max. Weight Female Max. Weight Height Male Max. Weight Female Max. Weight

4’8” 155 146 5’9” 216 2104’9” 159 151 5’10” 222 215

4’10” 163 156 5’11” 227 2214’11” 167 161 6’0” 233 2275’0” 171 166 6’1” 238 2335’1” 175 171 6’2” 245 2395’2” 179 176 6’3” 252 2445’3” 183 181 6’4” 258 2505’4” 188 185 6’5” 265 2565’5” 193 189 6’6” 272 2625’6” 199 194 6’7” 278 2685’7” 205 199 6’8” 285 2745’8” 210 204

STANDARD BUILD CHARTHeight Male Max. Weight Female Max. Weight Height Male Max. Weight Female Max. Weight

4’8” 170 159 5’9” 244 2254’9” 174 164 5’10” 250 230

4’10” 178 169 5’11” 256 2364’11” 184 175 6’0” 263 2425’0” 190 181 6’1” 269 2485’1” 196 187 6’2” 276 2545’2” 202 193 6’3” 283 2605’3” 208 197 6’4” 289 2675’4” 214 202 6’5” 296 2745’5” 220 206 6’6” 303 2815’6” 227 210 6’7” 310 2875’7” 233 215 6’8” 317 2935’8” 239 220

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UNDERWRITING CLASS CRITERIA

UNDERWRITING CLASS

SUPER PREFERRED FULLY UNDERWRITTEN

PREFERRED FULLY UNDERWRITTEN

STANDARD PLUS FULLY UNDERWRITTEN

STANDARD FULLY UNDERWRITTEN

Minimum Death Benefit $100,000 $100,000 $100,000 $50,000

Nontobacco

No use in past three years

No use in past two years *Limited Cigar Use

No use in past year *Limited Cigar Use

No use in past year **Standard Nontobacco rates for cigar, pipe or tobacco chewers

Tobacco Rates Not available Available Not available Available

AviationCommercial usually okay; private available only with exclusion rider

Commercial usually okay; private available only with exclusion rider

Available; however, may have flat extra or exclusion rider

Available; however, may have flat extra or exclusion rider

Driving Record

No DUI/Reckless driving in past five years; no more than two moving violations in the past three years

No DUI/Reckless driving in past five years; no more than two moving violations in the past three years

No DUI/Reckless driving in past five years; no more than three moving violations in the past three years

No DUI driving in past three years

Drug/Alcohol Abuse

Not eligible if ever any drug/alcohol counseling

No treatment or counseling in the past 10 years

No treatment or counseling in the past seven years

Individual consideration

Hazardous Occupations and Avocations

Disqualifies Disqualifies Disqualifies Individual consideration

Blood Pressure

Treatment, past or present, disqualifies. Cannot be over 135/85 for ages 70 and under. Cannot be over 145/85 for ages 71+

Treatment okay but must be less than 145/85

Treatment okay but must be less than 150/90

Treatment okay but must be controlled

Cholesterol With or Without Treatment

Must be 230 mg/dl or less Must be 250 mg/dl or less Must be 270 mg/dl or less Must be 300 mg/dl or less

Cholesterol/ HDL Ratio

Must be less than or equal to 5.0 for ages 70 and under; must be less than or equal to 5.5 for ages 70+




Personal History

History of cardiovascular disease, diabetes or cancer (some skin cancer okay) disqualifies



Individual consideration

Family History

No death of first-degree relative under age 60 from cancer, diabetes or cardiovascular disease

No more than one death of a first-degree relative under age 60 from cancer, diabetes or cardiovascular disease

No more than one death of parent under age 60 from cancer, diabetes or cardiovascular disease

No restriction

Height/Weight See Super Preferred Build Table

See Preferred Build Table See Standard Plus Build Table

See Standard Build Table

* Limited Cigar Use: An occasional cigar smoker may qualify for Preferred or Standard Plus nontobacco rates if he/she smokes no more than one cigar per month with B/U negative for nicotine.

** Standard Nontobacco rates for cigar, pipe or tobacco chewers are available even if the applicant tested positive for nicotine (provided the client is forthcoming about his or her tobacco use). Note: This exception does not apply to the Critical Illness Rider. The Critical Illness Rider would be issued at tobacco rates, while the base policy will be issued at nontobacco rates.

APPLICATION

Use the Teleunderwriting Application or the appropriate Individual Life Application for fully underwritten cases approved in your state. See the Approval Charts in the Products section of the agent website for the most current information.

To help avoid underwriting delays and confusion with EMCNL’s other term plans, please be sure to write the correct product name in the appropriate section of the application. For example, if you sold the 30-year plan, you should write, “Life Promises Term 30-year.”

It is quick and easy to quote and apply for Life Promises Term on the EMC National Life agent website. To get started, log in to the agent website at EMCNationalLife.com and select the Individual Quotes tab.

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MEDICAL REQUIREMENTS

Requirements below apply to the total of all EMC National Life Company applications currently applied for, plus the total in force within the past five years.

AMOUNT AT RISK

ISSUE AGES

0-17 18-40 41-50 51-60 61-70 OVER 70

$100,000 AND UNDER

Nonmedical Nonmedical,RX*

Nonmedical,RX

Nonmedical,RX

Nonmedical,RX PM, B/U, APS

$100,001 TO $250,000

Nonmedical,RX

PM, B/U, RX, MVR

PM, B/U, RX, MVR*

PM, B/U, RX, MVR*

PM, B/U, MVR*, APS

PM/SR, B/U, MVR, APS

$250,001 TO $500,000

N/A PM, B/U, RX, MVR

PM, B/U,RX, MVR*

PM, B/U, RX, MVR*

PM, B/U, MVR, APS

PM/SR, B/U,EKG, MVR, APS

$500,001 TO $1,000,000

N/A PM, B/U, RX, MVR

PM, B/U, RX, MVR*

PM, B/U**, RX, MVR*

PM, B/U**, MVR, APS

PM/SR, B/U, EKG, MVR, APS

$1,000,001 TO $2,000,000

N/A PM, B/U, EIR, RX, MVR

PM, B/U, EIR, RX, MVR

PM, B/U**, EIR, MVR, APS

PM, B/U**, EIR, MVR, APS

PM/SR, B/U, EIR, EKG, MVR, APS

$2,000,001 TO $3,000,000

N/A PM, B/U, EIR, RX, MVR

PM, B/U, EIR, EKG, RX,MVR

PM, B/U, EIR, EKG, MVR, APS

PM, B/U, EIR, EKG,

MVR, APS, PFS

PM/SR, B/U, EIR, EKG,

MVR, APS, PFS

$3,000,001 TO $5,000,000

N/APM, B/U, RX, MVR, APS, IR

PM, B/U, EKG, MVR,

APS, IR

PM, B/U, EKG, MVR,

APS, IR

PM, B/U, EKG, MVR, APS, IR, PFS

PM/SR, B/U, EKG, MVR, APS, IR, PFS

OVER $5,000,000 N/APM, B/U,

EKG, MVR, APS, IR, PFS

PM, B/U**, EKG, MVR, APS, IR, PFS



PM/SR, B/U**, EKG, MVR, APS, IR, PFS

* Underwriting discretion** Lab testing includes NT pro-BNP at these ages and amounts

KeyAPS Attending Physician StatementB/U Full Blood Profile and UrinalysisEKG Resting ElectrocardiogramEIR Electronic Inspection Report (ordered by Home Office)IR Inspection Report (ordered by Home Office)MVR Motor Vehicle Report Nonmedical A fully completed Application (long form)PM Paramedical ExamRX Pharmaceutical CheckSR Senior Supplement (beginning at age 74)PFS Personal Financial Statement

If applying for Standard Plus, Preferred or Super Preferred rates, a paramedical exam is required in addition to the full blood profile and urinalysis. To determine if the applicant qualifies for Standard Plus, Preferred or Super Preferred rates, check build tables first along with other Standard Plus, Preferred or Super Preferred guidelines.

In determining face amount thresholds, we will total the base policy, CI Rider (available on continuous pay plans only), Additional Insured Term Rider and Additional Paid-Up Insurance Rider face amounts. If the total face amount is $100,000 or more and the applicant qualifies for Standard Plus, Preferred or Super Preferred rates according to the general underwriting requirements of the base life insurance policy, then the applicant will be charged Standard Plus, Preferred or Super Preferred rates on any product or rider that has these rates available. Note: CI Rider does not have Preferred rates.The Underwriting Department reserves the right to request an APS or other requirements when determined necessary.

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LIFE INSURANCE REPLACEMENT/EXISTING COVERAGE FORMS (AS OF JUNE 1, 2021)Numerous states require LP623.L be completed if there is in-force life/annuity coverage. See chart below.

State External # Internal # AL LP623.L LP623.L AK LP623.L LP623.L AZ LP623.L LP623.L AR LP623.L, EUN011 LP623.L, EUN011 CA PA6500 PA6500 CO LP623.L LP623.L CT LP623.L LP623.L DC None None FL INS6521 FL INS9147 GA NB6178 GA NB6178 GA HI LP623.L LP623.L ID PA6500 None IL PA6501 IL PA6501 IL IN INS6310 IN INS6310 IN IA LP623.L LP623.L KS LP991 LP992 KY LP623.L LP623.L LA LP623.L LP623.L ME LP623.L LP623.L MD LP623.L LP623.L MA LP608.MA None MI INS6482 None INS6483 MN INS9237 None MS LP623.L LP623.L MO LP623.L LP623.L MT LP623.L LP623.L NE LP623.L LP623.L NV NB6500 NV NB6500 NV NH LP623.L LP623.L NM LP623.L LP623.L NC LP623.L LP623.L ND None None OH LP623.L LP623.L OK INS6561 OK INS6561 OK PA6562 OK PA6562 OK OR LP623.L LP623.L PA LP608.PA None RI LP623.L LP623.L SC LP623.L LP623.L SD LP623.L LP623.L TN NB7052 TN None TX LP623.L LP623.L UT LP623.L LP623.L VT LP623.L LP623.L VA LP623.L LP623.L WA INS5623 WA INS5623 WA WV LP623.L LP623.L WI LP623.L LP623.L WY EUN042 None

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RIDERS (AVAILABLE IN STATES WHERE APPROVED)

RIDERS MUST BE ADDED AT THE TIME OF APPLICATION; NO RIDERS CAN BE ADDED ONCE THE BASE POLICY IS IN FORCE.

ACCELERATED DEATH BENEFIT RIDER – ELR246In the event the insured is diagnosed with a terminal illness, the policyowner can receive benefits up to 75% of the face amount to a maximum of $250,000. This rider is only available in CA, CT and FL; it is automatically available at no charge in these states.

ACCIDENTAL DEATH BENEFIT RIDER – ICC16ELR020/ELR020This benefit will provide additional funds in the event of accidental death. Not approved in CA.The company will pay:

1. An amount equal to the face amount of the life insurance policy but not more than $500,000.

PLUS

2. An additional amount equal to the lesser of the face amount or $50,000 if death occurs while riding as a fare-paying passenger in a taxicab, street car, bus, train, airplane or other vehicle operated as a public conveyance by a common carrier.

Issue ages are 18-69. Benefit expires on the policy anniversary following the insured’s 75th birthday.

Rates Per $1,000Ages Annual18-40 $1.00 41-55 $1.25 56-65 $1.50 66-69 $1.75

ADDITIONAL INSURED TERM RIDER – ICC19ELR026/ELR026An insurance benefit can be added for the same plan as the base term plan. Additional insured can be the primary insured’s spouse, children age 18 and over, partner/business owner or other individual where there is an appropriate insurance relationship to the policyowner.

The same premium rates and features as the base plan are applicable except no policy fee is added to the rider.

If the death of the primary insured occurs or the policy matures while this rider is in effect, coverage for any additional insureds may continue as individual policies.

DISABILITY INCOME RIDER – ELR009The Disability Income Rider is available when the base plan plus primary insured term rider face amount is at least $50,000. Issue ages are 18-60. Benefits will be paid if insured is totally disabled and unable, due to sickness or injury, to perform all of the material and substantial duties of his or her regular occupation. Disability income benefits are not coordinated with Social Security or Workers’ Compensation. Benefits are payable for up to two years with elimination period options of 30, 60 or 90 days before benefits are paid. A Terminal Illness Benefit is also included. Refer to Disability Income Rider Agent Guide (EMM122) for complete rider information and rates.

TERM INSURANCE RIDER FOR CHILDREN – ICC16ELR022/ELR022An amount of term insurance for each dependent child 14 days to 17 years old may be added to any parent’s policy by addition of this rider. Dependent children include legally adopted and stepchildren. Each additional child is automatically insured when 14 days old at no increase in premium. Insurance continues until the child’s 25th birthday or the policy anniversary following the 65th birthday of the insured, at which time conversion is available up to $5,000 of each $1,000 of rider coverage without evidence of insurability on or within 60 days prior to the 25th birthday of the covered child. Please notify the Home Office when each additional child is 14 days old and eligible for coverage under this rider.

Annual Rates Per $1,000: $6.00Minimum Amount: $1,000 Maximum Amount: $20,000 Conversion Available: At age 25

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TERMINAL ILLNESS RIDER – ICC15ELR018/ELR018Under the terms of this rider, the company will pay the policyowner up to 75% of the benefit basis, less the same percentage of the policy loan, all discounted for one year using the accelerated death benefit interest rate as of the date we receive written proof from the policyowner. The company will pay upon receipt of due proof that the insured’s life expectancy is 12 months or less from the date the acceleration is requested. The benefit basis for the primary insured is defined as the policy death benefit of the policy to which this rider is attached, excluding any increases to the death benefit after the policy issue date; and, the death benefit provided by any additional insured benefit rider covering the primary insured of the policy to which this rider is attached. For any other insureds covered by an additional insured benefit rider of the policy to which this rider is attached, the benefit basis is defined as the death benefit provided by an additional insured benefit rider covering that other insured person. The accelerated benefit is only paid once and is a lump sum. This rider is automatically included without charge in states where approved. Not approved in CA, CT and FL. Have the proposed insured sign and keep the Disclosure Statement ICC15EUN053/EUN053.

SEAT BELT BENEFIT RIDER – LP740An additional benefit amount will be paid if the company receives satisfactory proof the insured died while driving or riding in a private passenger vehicle in a covered accident. The vehicle must be equipped with seat belt(s) and the seat belt(s) must have been in actual use by the insured at the time of the accident. The additional benefit amount will be 10% of the amount of insurance shown on the policy specification page up to a maximum of $10,000. This rider is automatically included without charge in states where approved. Not approved in AK, CA, CT, DC, GA, HI, MD, MA, MT, OR, PA, TN, UT, VA and WA.

UNEMPLOYMENT BENEFIT RIDER – AML8856Monthly premiums for a period of up to six months will be waived if the insured is unemployed for a period of 90 consecutive days, receiving state unemployment compensation and the period of unemployment begins at least six months after the policy effective date. The maximum lifetime benefit for this rider is an accumulation of 12 months; maximum benefit period for each period of unemployment is six months; at least six months must separate each period of unemployment. This rider is automatically included without charge in states where approved. Not approved in CA, CT, FL, MD, MA, MI, NH, RI, SC, TN, UT and VT.

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CLAIMSThe Claims Department is committed to building trust and confidence with our policyholders and agents through rapid, equitable and courteous claims administration. This is accomplished through a well qualified staff with years of experience in the insurance industry.

ASSISTANCE TO BENEFICIARIES IN APPLYING FOR DEATH BENEFITSPlease provide the Claims Department notice of death as soon as possible, so we can research the policy file to determine the current beneficiary. Include the full name of the insured, along with the date and cause of death. A letter along with the appropriate claim form will be sent to the beneficiary or representative of the estate.

CLAIMS WITHIN THE CONTESTABLE PERIODThe statements made in an application materially affect the company’s acceptance of coverage, and if a claim should occur within two years of the effective date, the Claims Department will conduct a full review of medical history. If there has not been full disclosure of material facts, the company may void the contract as of the issue date and refund all premiums paid, placing the insured and the company in the same position as if a policy had never been issued.

When the Claims Department is conducting a medical review, it is important that the policyholder or beneficiary complete medical history at time of claim. Delays in obtaining medical information normally occur with the medical provider, so it is important that we know of all medical providers at the onset of the claims process and not learn of additional providers as records are received and reviewed.

The Claims Department is happy to assist agents with questions regarding how benefits are administered or how to submit a claim.

You can trust EMC National Life Company to deliver claims management that builds value with our policyholders. Please contact us at 800-232-5818 if we can be of any assistance.

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EMM601

PO Box 9202Des Moines, IA 50306-9202800-232-5818

EMCNationalLife.com

Did you know?Forty-two percent of Americans say their families would face financial hardship in the next six months if a wage earner died unexpectedly.*

Consider this option:You insure assets such as your home and car, but your most important asset is your ability to earn an income.

Protect yourself and your loved ones with EMC National Life Company’s Life Promises Term life insurance policy.

Sample Monthly Rates$250,000 Death Benefit Each

Rates are based on male and female insureds qualifying for Super Preferred underwriting. The life insurance product is Life Promises Term with a $250,000 death benefit. Rates are guaranteed level for the length of the term.

Life Promises Term is policy form ICC20ELP053/ELP053 which may vary or be unavailable in some states. See policy form for complete details.

* 2021 Insurance Barometer Study, Life Happens and LIMRA

+ Combined rates assume both insureds on one policy, therefore saving second $50 annual policy fee.

Low cost term life insurance protection

Age 35 20-Year Plan

Male Female Combined+

$14.66 $13.18 $23.59

Age 35 25-Year Plan


$19.55 $17.00 $32.30

Age 35 30-Year Plan


$23.59 $20.19 $39.53

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EMM602


EMCNationalLife.com



Could your family maintain their standard of living without your income? Would car loans and credit card balances deplete your savings? Protect yourself and your loved ones with EMC National Life Company’s Life Promises Term life insurance policy.

Low cost term life insurance for working couples

Sample Monthly Rates$250,000 Death Benefit Each Rates are based on male and female insureds qualifying for Super Preferred underwriting. The life insurance product is Life Promises Term with a $250,000 death benefit. Rates are guaranteed level for the length of the term.




Age 35 20-Year Plan


$14.66 $13.18 $23.59

Age 35 25-Year Plan


$19.55 $17.00 $32.30

Age 35 30-Year Plan


$23.59 $20.19 $39.53

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EMM603


EMCNationalLife.com

Low cost term life insurance for mortgage protection



Life insurance can help your family pay off the mortgage and live without the added burden of making house payments. Protect yourself and your loved ones with EMC National Life Company’s Life Promises Term life insurance policy.

Sample Monthly Rates$250,000 Death Benefit Each Rates are based on male and female insureds qualifying for Super Preferred underwriting. The life insurance product is Life Promises Term with a $250,000 death benefit. Rates are guaranteed level for the length of the term.




Age 35 20-Year Plan


$14.66 $13.18 $23.59

Age 35 25-Year Plan


$19.55 $17.00 $32.30

Age 35 30-Year Plan


$23.59 $20.19 $39.53

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All enclosed forms can be viewed and ordered in the Supplies section of the agent website at EMCNationalLife.com. Additional copies can be ordered using the form below. Fax the completed form to 515-237-2288 or email your order to [email protected].

Form numbers can be found on the bottom of each form. Please specify the state(s) for which you are requesting supplies. A complete list of forms approved in your state can be found in the Products section of the agent website.

LIFE PROMISES TERM

SUPPLY ORDER FORM

Fax completed order form to 515-237-2288 or email supply requests to [email protected].

__________ EMM601 Life Promises Term Consumer Flyer

__________ EMM602 Life Promises Term Consumer Flyer for Working Couples

__________ EMM603 Life Promises Term Consumer Flyer for Mortgage Protection

__________ EMM600 Life Promises Term Agent Guide

__________ ICC15EUN053/ Disclosure Statement for Accelerated Death Benefit for EUN053 Terminal Illness Rider

__________ Replacement Form (varies by state)

__________ State(s) for which forms are being requested

Name _________________________________________________ Agent Number ______________________

Address ____________________________________________________________________________________

City _________________________________________ State _______________ Zip ___________________

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