EMC National Life


Nebraska Volunteer Fire Department Program

Cedar Valley Insurance Agency, Inc., (CVIA) has partnered with EMC National Life to offer a Group Term Life Insurance program specifically designed for Nebraska Volunteer Fire Departments/Rescue Squads. Program details are below. If you have any questions at all, please don’t hesitate to ask.

Plan Design/Costs

Face amounts available

  • Option 1: $10,000 with an annual premium of $40.80 per member
  • Option 2: $15,000 with an annual premium of $61.20 per member
  • Other amounts are subject to Home Office pre-approval

Governing board members and permanent municipal employees are also eligible for coverage

Age reduction schedule of 50% at age 70+; coverage terminates when no longer eligibile

AD&D benefits (included at no additional cost)

  • Seat Belt: 10% of Basic AD&D up to $10,000
  • Air Bag: 10% of Basic AD&D up to $10,000
  • Repatriation: up to $5,000

Standard conversion privilege applies

This provides an overview only of the Group Term Life Insurance product. The policy, the riders and their provisions may vary or be unavailable in some states. Please refer to and read your state specific policy form ELP017 and rider forms carefully for all contractual provisions, benefits and limitations.