Become an Agent

Why Work with ELCO Mutual?

We know you have a choice of which companies to work with, which is why ELCO Mutual has focused on building a dedicated marketing and sales support team to assist you. As a company founded in 1946, we have the experience that allows you to diversify your portfolio while providing your clients the products and customer service that will fit their needs. We aim to foster long-term relationships with our agents, and more than 1,200 have made ELCO a partner of choice.

At ELCO, we empower you with a simple and flexible underwriting process that doesn’t require medical exams and we offer strong commissions. There is a reason many of our agents have been ELCO partners for a decade or more.

Agent FAQ

ELCO Has a Lot to Offer

We strive to provide service, stability, and protection for both our agents and customers. That’s why we enable our agents with support to help them be at their best and offer a diverse suite of products to reach customers with a variety of goals.

What You Can Offer Your Clients

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

  • Participating, simplified issue whole life insurance 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
  • Paid for continuing education
  • High-quality customer service for your clients
  • Access to private label E&O 

Becoming an ELCO Partner is Fast and Simple

Ready to partner with ELCO? The process couldn’t be simpler. Becoming an ELCO agent begins with a telephone call that allows you to meet our team and get your questions answered. From there, you’ll fill out a digital application, which will be quickly reviewed before a decision. If you’re approved, you’ll be off and running!

Qualities We Want

Do you bring integrity to your role? Are you dedicated to providing your customers the best products to fit their individual needs? If so, you might be the right fit. Contact a member of our team today to learn more about working with us.

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What Our Agents Have To Say

"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.

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.

What Our Agents Have To Say

“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.


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