Agent FAQ

Insurance Agent Questions Answered

If you’re interested in working with ELCO Mutual but are still looking for additional information about our company or process, read the answers to some of the questions we most commonly receive from agents.
ELCO Mutual does business in 43 states and the District of Columbia. We do not currently do business in the states of Connecticut, Massachusetts, New Hampshire, New Jersey, New York, Rhode Island, or Vermont.

Product availability varies by state.
ELCO Mutual requires that you have at least $1,000,000 of liability coverage in order to be contracted. If you have any questions, please contact us.
ELCO Mutual utilizes a simplified underwriting process that doesn't require any medical exams. We use basic health questions and a quick phone call to determine eligibility and price.
ELCO Mutual has an average turnaround time of approximately 48-72 hours. These times will vary depending on the amount of information we receive, the debit check, and the background investigation.
Contracting directly with ELCO Mutual is generally allowed for some of our products. However, there are certain products that require the use of our national marketers. For more information, please contact us.