Life Insurance and Annuities Made Simple

Life Insurance Annuities

Life Insurance

It’s never too early to prepare for your financial future. Whether you are just starting to focus on your finances or preparing for retirement, we have life insurance policies to fit your lifestyle. If you aren’t sure which type of coverage is right for your current stage of life or the goals you want to reach, we’re here to help.

Who Could Benefit

BENEFITS AT A GLANCE

Are you hoping to protect your family from financial burdens in the years to come? Do you want to set aside designated funds for funeral expenses? Browse our product offerings to learn more about the benefits we offer, and find out which plan best aligns with your needs.

Find Your Plan

WHY CHOOSE ELCO MUTUAL?

After more than 70 years in business, we still proudly help customers achieve financial security by offering solutions that are easy to understand and designed with your individual needs in mind. We provide personalized service every step of the way to make sure you feel informed and confident in your purchase decision.

Our Policies

Annuities

Take the stress out of planning for your financial future. Our annuities can help you increase and protect your hard-earned funds and create a guaranteed stream of income for your retirement. With the flexibility to choose the length of your plan, it’s simple to find a product that works for you.

Who We Serve

MAKING ANNUITIES SIMPLE

We know understanding your financial options can be difficult, especially if you’re just starting to learn about what’s available. To make your decision easier, we’ve outlined the basic details you need to know about annuities in order to make an informed choice.

What is an Annuity?

ELCO MUTUAL'S PRODUCT BENEFITS

You’re unique, which means you need an annuity that reflects your individual goals—and that’s exactly what we offer. Our annuities provide options that allow flexibility to meet your personal financial preferences.

View Our Products

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. Continue Reading 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 age 70 ½. 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. View Less