How to name beneficiaries and fund a trust at EMC Life
Covers 13 insurance accounts — beneficiaries can be managed online
Customer Service
Phone1-800-232-5818
Emailhelp@emcnl.com
Fax1-800-439-9526
Mailing Address
EMC National Life Company, P.O. Box 9202, Des Moines, IA 50306
WebsiteLearn more→
Customer Service
Phone1-800-232-5818
Emailhelp@emcnl.com
Fax1-800-439-9526
Mailing Address
EMC National Life Company, P.O. Box 9202, Des Moines, IA 50306
WebsiteLearn more→
Claims
Phone1-800-232-5818
Emailclaims@emcnl.com
Fax515-237-2282
Mailing Address
EMC National Life Company, P.O. Box 9197, Des Moines, IA 50306-9197
Claims (select option 4)
WebsiteNotify online→
Verified Jul 2026
Estate planning with EMC Life policies centers on beneficiary designations—the single most important step for ensuring life insurance proceeds and annuity benefits reach the intended recipients without probate involvement. Unlike bank or brokerage accounts, insurance products are not retitled into trusts; instead, trusts are named as beneficiaries when estate tax planning or controlled distributions are needed.
EMC Life has 13 product types, and the estate transfer rules differ across them. Some support beneficiary designations, some can be retitled into a trust, and others will require probate if nothing is set up. Each is covered below.
Accelerated Term 2.0Life Promises TermYouth Plus TermIWL InnovatorEasy LifeYouth Whole LifeWorkplace Term Life (WTL)Workplace Whole Life (WWL)EMC Life Critical Illness InsuranceEMC Life Group Disability Income InsuranceBonus SPDAAccumulator FPDASingle Premium Immediate Annuity (SPIA)
1
Log in to the EMC National Life Policyowner portal
2
Navigate to the beneficiary change section for your policy
3
Add or update beneficiary designations:
- Primary beneficiaries with full legal names, dates of birth, relationships, and percentage allocations totaling 100%
- Contingent beneficiaries if desired with their own percentage allocations totaling 100%
- For trusts: provide the full legal trust name, date established, and trust EIN
4
Review and confirm your beneficiary designations
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Percentage allocations must total 100% for each beneficiary tier
- Beneficiary designations override instructions in a will
- Only the policyholder can change beneficiary designations
- Every beneficiary — individual, estate, or trust — must supply a Social Security number or Taxpayer ID Number, because EMC National Life cannot pay a claim without it (interest on proceeds is reported to the IRS on Form 1099-INT). Record the trust's EIN on the designation now so a trustee is not chasing it later
- If a minor is named with no guardian appointed, EMC National Life states that the Uniform Transfers to Minors Act or Uniform Gifts to Minors Act permits disbursement without guardianship papers, subject to each state's guidelines and limits — naming a custodian or a trust instead keeps control of the timing and amount
- Keep the beneficiary's legal name current: at claim time a name that differs from the designation on file requires a marriage certificate, divorce decree, or court name-change document
- Spousal consent may be required in community property states
- Beneficiary-change forms go to the GENERAL service address (P.O. Box 9202, Des Moines, IA 50306), not the claims box (P.O. Box 9197)
Sources
Data sourced from EMC Life primary sources (18 pages reviewed). How we research.
Download these EMC Life instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against EMC Life primary sources. Bring it to the branch or keep it beside the phone.
Customer Service
Phone1-800-232-5818
Emailhelp@emcnl.com
Fax1-800-439-9526
Mailing Address
EMC National Life Company, P.O. Box 9202, Des Moines, IA 50306
WebsiteLearn more→
Customer Service
Phone1-800-232-5818
Emailhelp@emcnl.com
Fax1-800-439-9526
Mailing Address
EMC National Life Company, P.O. Box 9202, Des Moines, IA 50306
WebsiteLearn more→
Claims
Phone1-800-232-5818
Emailclaims@emcnl.com
Fax515-237-2282
Mailing Address
EMC National Life Company, P.O. Box 9197, Des Moines, IA 50306-9197
Claims (select option 4)
WebsiteNotify online→
Verified Jul 2026
Estate planning articles
Learn how to protect your EMC Life accounts and other assets with trusts, beneficiary designations, and estate planning documents.
