![]() ![]() As scientists and mental health professionals alike grapple with the mental health crisis among youth–including a high burden of psychopathology, limited access to care, and large-scale societal stressors 5, we offer a framework for how research can leverage the science of stress and adolescent brain development to promote resilience (Fig. ![]() In particular, delineating how stress responding differs across development and across individuals can inform whom may benefit from specific interventions and how to optimize interventions for specific developmental stages or profiles of stress exposure 4. ![]() Understanding how people respond to stress is critical for identifying targets for intervention. At the same time, adolescence is a period of immense opportunity, as heightened plasticity and the state of the developing brain confer unique strengths for coping with stress 3. Indeed, adolescence is characterized by heightened vulnerability: the majority of mental health disorders emerge during this stage of development, with adolescents exposed to stress earlier in life at elevated risk 2. Stressful life events increase considerably in adolescence, and cross-species evidence suggests that the brain may be particularly sensitive to the negative effects of stress during this period 1. Sample rates for a $250,000 policy on a 10-year term at each company’s standard health class, for a 40 year old male, non-smoker.Stress is a potent risk factor for psychopathology that is salient during adolescence. States Operate In: Licensed in 48 states and the District of ColumbiaĬompetitors: Grange Life Insurance Company, Symetra Life Insurance Company, Mutual of Omaha, John Hancock, PennMutual, Principal, State Farm, Farmers, Allstate, American General Life, Banner Life, Protective Life, Primerica, Genworth Life, Pacific Life Insurance, North American Co, Lincoln National Life, ING-ReliaStar, Transamerica, Prudential, Midland, Cincinnati Life, TIAA-CREF, Guardian, OneAmerica, Minnesota Life, RiverSource, Allianz Life Insurance Company, Thrivent Financial for Lutherans, AAA, Erie, Sagicor, Amica, ANICO, Assurity, Colonial Penn, AARP, Globe Life, Ohio National Life Group, New York Life, Northwestern Mutual, MassMutual. Life Insurance Products: Term Life Insurance, Instant Issue Term Life Insurance (No medical exam), Easy Choice Term (No medical exam), Youth Plus Term life insurance, Universal Life Insurance, Point-of-Sale Guaranteed Increasing Whole Life Insurance (No medical exam), Youth Whole Life Insurance, Level Whole Life, Increasing Whole Life, Easy Choice Whole Life (No medical exam), Workplace Life-Group Life- (Term and Whole Life) and Disability Insurance and Annuities. Issued by: EMC National Life Insurance CompanyĪddress: 699 Walnut, Suite, 1100, Des Moines, Iowa 50309Ī.M Best Rating: A- (Excellent) Fourth highest of 16 possible ratings As with all the life insurance companies we review, we recommend that you receive a quote from EMCNL but also from the other top life insurers as well to ensure you are receiving the best rate and policy. Their life insurance offerings are impressive, which can be seen below in the Life Insurance Products section. ![]() Also, the company is relatively new, formed in 2003, in comparison to other top insurers.īottom Line: EMC National Life Company, and affiliate of EMC Insurance Companies (EMC), is a solid insurance company with competitive prices. Although, they’re competitive on pricing they typically will not have the absolute lowest rate in the country on their term products. Record High Capital Surplus– EMC National Life ended 2013 with a company record high in capital and surplus with $93.60 million in reserve.Ĭons: There aren’t too many cons with EMC National Life. Pros: Plethora of Life Insurance Products– EMC National Life Company (EMCNL) offers a very wide range of life insurance solutions to fit nearly any need. ![]()
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