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Providing Service, Stability, & Protection Since 1946

ELCO Mutual Life and Annuity, formerly Employees Life Company (Mutual), is a life insurance and annuity company that has been servicing the needs of many since 1946.

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.  

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Report from Standard Analytical Service

Interested in ELCO’s financial strength? Then read Standard Analytical’s “Independent Comparative Report” for 2016.


Watch Your Money Grow Safely

ELCO has policies designed for every age group.

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Not To Be Confused With...

ELCO Mutual Life and Annuity is NOT associated with Enterprise Leasing Company --OR-- ELCO Insurance Services.

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ELCO's BBB Rating


ELCO Mutual Life and Annuity BBB Business Review