At ELCO Mutual, we take pride in the fact that every call to our office is answered by a real person, which is a trend that seems to be disappearing. We’ve been servicing the senior market for over 30 years and plan on continuing that tradition for years to come. We offer an array of products that can be used to help you prepare for retirement, including our line of multi-year guaranteed tax-deferred annuities and our unique portfolio of life insurance products. In addition to servicing the senior market, we also provide policies for every age group. We have the ability to quickly create new products, which is a strength that has helped establish us as a competent, successful partner for your insurance and annuity needs.
Unlike stock-based companies, a mutual company is an organization completely owned by its policyholders. This is why we treat every client like they’re a part of our ELCO Mutual family. Any profits we accumulate can contribute to an annual dividend that all policyholders with participating contracts are eligible to receive. Unlike stock companies, which send their dividends to investors, we send our dividends right back to you.Our Process
You want to choose the best policy for your needs, and we want to make that process easy. That’s why we have created contracts that are simple to read, so you understand exactly what you’re getting. We also value transparency; there are no tricks or hidden fees.
ELCO Mutual is authorized to conduct business in 43 states. We do not currently operate in Connecticut, Massachusetts, New Hampshire, New Jersey, New York, Rhode Island, or Vermont. Our available product offerings vary by state.
“As ELCO’s pre-need marketing agency, and drawing on past experience with other pre-need insurance carriers both as agents and funeral home employees, without a doubt there is no other company that places its focus primarily on policyholders. The funeral homes that make the choice to use ELCO are doing so because they are interested in gaining the best returns for their families, which ultimately, means the funding for funerals is going to be there when needed.”
- Jim and Julie Palm