What Matters Most

EMC National Life Company (EMCNL), an affiliate of EMC Insurance Companies, has been providing superior service and support to our agents and policyowners since 1962. Agents and policyowners can continue to Count on EMC® for innovative insurance solutions, superior service and financial stability.

EMCNL's brand promise is Count on EMC to Make Life Easy®. We strive to demonstrate our brand promise in everything we do, whether it's providing superior customer service, developing simple and straightforward products, or using technology to increase our efficiency and accuracy.

We know life insurance can provide the means to help sustain lifestyles, allow kids to go to college, keep people in their homes, assist when illnesses happen, pay the bills on time and keep families united. Therefore, it is our top priority to make life insurance easy for you, our agents, and your customers.

At our core is a driving force of principles—Focus, Discipline and Momentum—that influence the way we work and guide our ability to deliver quality protection to all those we serve.

Eric Faust
President & Chief Operating Officer




Bruce Kelley
Bruce G. Kelley, J.D., CPCU, CLUChairman of the Board

President & CEO & Treasurer
EMC Insurance Companies
Des Moines, Iowa


Lawerence Hedlin
Lawrence K. HedlinBoard Member

Retired President
Hedlin Enterprises Inc.
West Des Moines, Iowa


Frederick Lock
Frederick H. Lock, MAI, SRPABoard Member

Iowa Appraisal and Research
West Des Moines, Iowa


Edward Murphy
Edward A. MurphyBoard Member

Retired Senior Vice President
National Travelers Life Company
Urbandale, Iowa



Bruce Kelley
Bruce G. Kelley, J.D., CPCU, CLUChairman


Mick Lovell
Mick A. Lovell, CPCUChief Executive Officer


Eric Faust
Eric J. Faust, CIOP, CXAP, ACSPresident & Chief Operating Officer


Chris Frazier
Chris D. Frazier, CPA, ALMISenior Vice President, Chief Financial Officer & Treasurer


Jenifer Mercer-Klimowski
Jenifer L. Mercer-Klimowski, J.D., CPCU, AICSenior Vice President, General Counsel & Corporate Secretary


Cameron Torstenson
Cameron S. Torstenson, CLUSenior Vice President, Marketing


Julie Hanson
Julie K. Hanson, FLMIVice President, Marketing Operations


Kevin Lund
Kevin R. Lund, ALHC, FLMI, HIA, ACSVice President, Policy & Technology Administration


Mark Rowley
Mark C. Rowley, FSA, MAAAVice President, Managing Actuary


Mark Unkrich
Mark A. Unkrich, FLHC, ALMI, FALU, ACSVice President, Claims & Underwriting


Steve Brown
Steve C. Brown, FLMI, ACS, AIAA, AIRC, GBDSAssistant Vice President, New Business & Claims Administration


Sandra Struthers
Sandra K. Struthers, ALMI, ACSAssistant Vice President, Controller & Assistant Treasurer


David Pokorny
David J. Pokorny, FLMI, ACS, AIRCAssistant Secretary, Corporate Compliance