Become an Agent

Why Work with ELCO Mutual?

We understand you have many options when it comes to choosing a company to work with which is why, at ELCO Mutual, we go above and beyond to stand out. We take great pride in our dedicated marketing and sales support team, ready to assist you every step of the way. With a legacy dating back to 1946, our experience enables you to diversify your portfolio while offering your clients life insurance and annuity products and customer service that cater to their needs. Building long-lasting relationships with our agents is our priority, and we're thrilled to have more than 1,200 agents in over 40 states who have made ELCO Mutual their partner of choice.

At ELCO Mutual, we believe in empowering you with a seamless and flexible underwriting process, eliminating the need for medical exams, and offering strong commissions. It's no surprise that many of our agents have chosen to be part of the ELCO Mutual family for a decade or more. Join us and experience the ELCO Mutual advantage that puts you and your clients first!


ELCO Mutual Has a Lot to Offer

With us, you'll find exceptional service, stability, and protection. We support our agents to be their best and offer a diverse suite of life and annuity products to meet various customer goals. Join ELCO Mutual today for a brighter future!


What You Can Offer Your Clients

To best serve your clients, you need options that can fit a range of individual needs. ELCO Mutual has a variety of products that are competitively priced and offer flexibility. Our agents can offer a range of both whole life products with living benefits and annuities, including:

  • Life insurance with living benefits that offer an accelerated death benefit rider. This rider includes benefits for home health care, nursing home confinement, chronic illness, and terminal illness

  • Participating, simplified issue whole life insurance with living benefits with a range of premium payment options, including single pay

  • Participating final expense life insurance

  • Preneed insurance

  • Multi-year guaranteed deferred annuities


Additional Benefits

We want our partnerships to be long-lasting, which is why we aim to get to know our agents on a personal level and make the experience rewarding and enriching. In addition to the service that comes from working with a dedicated agency, you can expect:
  • Detailed product training as needed
  • Dedicated support staff
  • High-quality customer service for your clients

Becoming an ELCO Partner is Fast and Simple

Excited to partner with ELCO?

Becoming an ELCO Mutual agent is easy! The process is fast, simple, and designed to get you up and running in no time. It all starts with a telephone call or email, where you’ll have the chance to meet our team and have all your questions answered. Next, you’ll fill out a digital application, which we’ll quickly review before making a decision. Once approved, we’ll make sure you can hit the ground running!

What Our Agents Have To Say

ELCO Mutual has great products, competitive rates and outstanding service. They are a great partner for my business.

Tamara T.

We have teamed with ELCO for more than 10 years. Companies in this space tend to come and go with rates, but ELCO has been a trusted partner and remained one of our top options through the years. Great company to work with!

John E.

ELCO is the gold standard when it comes to Medicaid compliant SPIA’s. After working with them for over 6 years, I find them to be very easy to work with, and their commission and charge back schedules are very generous.

Craig H.

Are Service and Support Your Focus for Clients?

At ELCO Mutual, we pride ourselves on providing unparalleled service and support. If you’re passionate about offering your customers the best products to match their unique needs, then you might be the perfect fit. Reach out to a member of our team today to discover the wonderful possibilities of working with us. We can’t wait to welcome you into our ELCO Mutual family!