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Life Insurance
and Annuities

Building a Better Future with Reliable Partners

When it comes to securing a solid financial future and taking care of your clients or family, having strong and supportive partners by your side is important. Whether you seek peace of mind for your family, wish to see your dreams fulfilled, or want to ensure your clients have the best insurance policies and plans, we are here to be your trusted and dedicated partner. Let's work together to create a brighter and more secure future.
Life Insurance Annuities See All Plans

I have worked with ELCO for nearly a decade and the biggest reason that keeps me coming back is their customer service. They really care about their agents and their agents’ clients. I love working with a company that I can TRUST!

Megan D.

For Agents

As an agent, you want the best life insurance and annuity products for your clients, but you also want service and support. Your clients want policies they can count on and you want a partner who delivers the same. At ELCO, we pride ourselves on stability, transparency, and accessibility. Not only are our products there when your clients need them, but we’re there for you when you need us, whenever you need us. Client care is our priority because it’s also yours.

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For Policyholders

Finding the right insurance company with the right policies to help you reach your goals and plan for your financial future is an important decision. ELCO offers a full range of life insurance and annuity plans and policies to help secure that future and know that you and your loved ones are taken care of, regardless of the situation or needs. We prioritize relationships so the agent you work with gets the support they need to help you when you need it most.

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For Funeral Directors

As a funeral director, you’re there when you clients need you most, at all hours, on any day.  That means you need a partner who knows your business and who helps you provide that standard of service. More than that, you need a partner who can help you sustain your business and grow. Our team includes former funeral directors who understand the unique challenges you face and are prepared to help you overcome them. When it comes to preneed insurance and support for our policies and plans, let our team support yours.

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Expertise and Experience By the Numbers

At ELCO Mutual, we do things a bit differently. While we monitor our metrics and know our numbers, we’re more focused on service. We’re true partners, looking for ways that we can leverage our experience and expertise to help you when you need it most.

77 + years
of servicing policyholders
$ 427 million
in benefits paid in 2022
$ 1 + billion
in admitted assets
ELCO Mutual and its representatives are not legal or certified tax professionals. For tax and/or legal advice, please contact a licensed professional. ELCO Mutual contracts with independent licensed insurance producers and does not guarantee nor certify them as financial planners. Not insured by the FDIC or associated with any government program or agency. Annuities are not associated with a bank. Withdrawals taken from annuities before the age of 59 1/2 are subject to the IRS's 10% excise tax. Individual Retirement Accounts (IRAs) cannot be opened past the age in which Required Minimum Distributions (RMDS) begin. Dividends are declared by the company's board of directors and are not guaranteed. When purchasing a single premium whole life policy, please note that the policy is a Modified Endowment Contract (MEC). Any distributions taken by the owner may be taxable (including from the accelerated death benefit rider). Death benefits for life insurance contracts are contingent on any due premiums being paid. The information on this website is intended for informational and educational purposes only and is not intended to provide investment advice or a recommendation. Clients seeking advice should consult a licensed professional. All life insurance policies and annuities are underwritten and issued by ELCO Mutual Life and Annuity. Also known as ELCO Mutual Life and Annuity Company in Florida. Policy Forms: Platinum Eagle: (ICC19-SPL-19), Golden Eagle: (ICC19-WLP-19), Silver Eagle: (ICC19-FE19, ICC21-GBWL21, ICC19-MWL19, ICC21-GIWL21m ICC21-SPLR21), Preneed: (PNMPSI20, PNMPGI20, PNSPL20), DFD: (DFD21, DFD0113), Presidio Plus: (ICC21-TSPL21), Guardian Eagle Single Premium: (ICC19-MYGA[term length]-19), Guardian Eagle Flexible Premium: (ICC16-FPA16), and Immediate Annuities: (SPIA11 and ICC17-AIFXB17). Policy forms may vary by state.