ANNUITIES

Annuities are retirement savings plans for tax-qualified and nonqualified funds.
Build tax-deferred savings and receive a guaranteed income stream.


Bonus SPDA 1% & 1.5%

A Single Premium Deferred Annuity (SPDA) offers several advantages that can help meet your savings goals. The above annuities earn 1% and 1.5% bonus interest respectively during the first year. Current interest rate is guaranteed for one year.

Additional features include:

  • First-year interest bonus guaranteed
  • Minimum premium: $10,000
  • 10% penalty free withdrawal per year after the first policy year
  • Issue ages: 0-90 nonqualified, 0-80 qualified
  • Nursing Home Rider and Terminal Illness Rider available, in states where approved


Term Select

Accumulator FPDA

A Flexible Premium Deferred Annuity is a good plan for IRAs, Roth IRAs and periodic funding of nonqualified retirement savings. Current interest rate is guaranteed for one year.

Additional features include:

  • 1% first-year interest bonus guaranteed
  • Minimum premium: $50 monthly, $600 annually
  • 10% penalty free withdrawal per year after the first policy year
  • Issue ages: 0-90 nonqualified, 0-80 qualified
  • Nursing Home/Nursing Care Benefit available, in states where approved



SPIA

A Single Premium Immediate Annuity is designed to provide you a guaranteed steady income immediately after purchase. It guarantees income payments for life or for a specified period.

Additional features include:

  • $100 payout per period – 5 year minimum
  • Issue ages: All ages
  • Various settlement options available


Not all products and riders are approved in all states. Complete product and rider details are contained in the respective policy forms for each product and may vary by state.

EMC National Life (EMCNL) is a financially strong life insurance company and life affiliate of EMC Insurance Companies, an insurance enterprise that has been in business for more than 100 years. With a rating of “A-“ (Excellent) with a stable outlook from A.M. Best, EMCNL is dedicated to providing superior service and simple products that Make Life Easy.

Notice



This data is intended for summary information purposes only. If you are considering initiating a policy transaction, or if you have a question, please contact the Corporate Office.

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Contact Us

EMC National Life Company
P.O. Box 9202
Des Moines, IA 50309
Phone: 800-232-5818
Fax: 800-439-9526
Email: help@emcnl.com

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