Being a mutual company all profits accumulate for the benefit of its policyholders. ELCO is a well-known niche marketer. We have pioneered products such as polio and cancer indemnification plans as well as various specialized life programs. Today ELCO is among the leaders in fixed deferred annuity interest rates. For more than thirty years it has concentrated on developing products to provide seniors with successful solutions to survival and estate planning. ELCO has policies designed for every age group. Our ability to create new products quickly has always been a big plus for the agency department as well as established marketers seeking a worthy partner for a new venture.