Our Insurance Products


Yayyyy!!!  EMCOL is now your one-stop shop for all your Insurance needs.
You get to choose from a variety of insurance products on our list to meet your needs. We represent over 40 premier insurance companies. These companies have been carefully chosen for their financial strengths and targeted product portfolios. Our product types range from fully-underwritten Property and Casualty to Term Life and Permanent Life insurance policies. Here is a highlight of what we can help you cover:


General Lines – Property and Casualty

  • Automobile Insurance
  • Home Owners Insurance
  • Business Liability Insurance
  • Property Insurance
  • Contractor's Insurance
  • Surety Bond
  • Builder's Risk Coverage
  • Workers Compensation Insurance
  • Business Owner's Policy (BOP)
  • Commercial Package Policy
  • Inland Marine Insurance
  • General Liability Insurance
  • Contractual Liability Coverage
  • Directors and Officers Liability
  • Employee Dishonesty Coverage
  • Errors and Omissions Insurance
  • Fire Damage Liability Coverage
  • Professional Liability (PL) Insurance
  • Blanket Coverage or Umbrella Liability Coverage
  • Business Income / Business Interruption / Extra Expense Coverage
  • Casualty Insurance for legal liability for property damage and bodily injury to others

By the way, ask us about our Tax Free Retirement, Annuities, and 'IUL' programs.

Tax Free Retirement Program & Annuities:

  • Grow your money with zero market risk
  • Access your retirement dollars tax-free
  • Leave an income-tax-free inheritance to your heirs
As for annuities, annuities are "insurance products you purchase that pays out income. Typically, you make a lump-sum payment or series of payments to the seller — often an insurance company." – HuffingtonPost.com

And in return for this type of investment, the provider agrees to make periodic payments to you for a certain or indefinite period, for example, 10-20 years, or till death.

Types of Annuities

  • Fixed Annuity
  • Indexed Annuity
  • Variable Annuity
For further inquiry with one of our Agents about these programs, or if ready to enroll, click here.

General Lines – Life, Accident and Healthcare Insurance



We have an array of policies from which to choose; from term and permanent life insurance policies, to simplified-issue and non-med life insurance. Our vast portfolio ensures you'll always have access to the products you need to stay competitive and add value for your client.

We are in partnership with a company of over 35 Years in the insurance business; and we understand life insurance needs of today's consumers. To learn more about our EXCLUSIVE product lines available only through our Insuring companies, contact us today!


Here's a highlight of our Life Insurance products:

  • Term Life Insurance
  • Whole Life Insurance
  • Guaranteed Universal Life Insurance (GUL)
  • Guaranteed Indexed Universal Life Insurance
  • Cash Value Indexed Universal Life Insurance
  • Current Assumption Universal Life Insurance
  • Living Benefit Term & Permanent Life Insurance

Don't just focus on making this month's mortgage payment, you want to also use the time that you have to start saving and planning for the time that you won't either want to or be able to work as hard as you are now. - Ray Higdon (Author)

IUL - Index Universal Life:

Referred to as "the greatest wealth accumulation vehicle of our time" by Doug Warren. This is a tax-wise choice for retirement income, known for its higher cap rates, 100% free of the risk, and acceleration of death benefit to help pay for long-term care.

Are You Willing To Take A Risk With Your Retirement? What do the followings 'mean' to you?

  • Safety
  • Guaranteed NOT to Lose
  • Annual Compounding, No Downside Risk
  • Investment / Market Risk
  • Subject to Gain or Loss
  • Risk of Loss for the hope of High Non-Guaranteed Rates of Return


What if you could eat your cake and have it?

Click here to find out more about any or all of these awesome programs TODAY!

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