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7 min read

3 Solutions You Can Offer for High Risk Life Insurance Applicants

Every now and then you’ll come across a client who wants life insurance coverage but is concerned about their eligibility. While this happens regularly in the insurance industry, as an insurance agent...

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May 16, 2024 | 7 min read

What Are My Insurance Options for Paying Final Expenses?

To lighten the burden on their loved ones, many people choose some type of life insurance that covers their final expenses, such as funeral ...

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May 09, 2024 | 8 min read

How Often Should I Review My Life Insurance Coverage?

As we move through our lives, change is constant. Your health, income, household, and responsibilities can shift from one year to the next. ...

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May 02, 2024 | 8 min read

Navigating Surrender Charges and Fees in Deferred Annuities

The beauty of deferred annuities is the ability to make contributions that grow until you’re ready to withdraw later in retirement. Most ann...

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Apr 25, 2024 | 9 min read

The Importance of Financial Education During Financial Literacy Month

We’re well into Financial Literacy Month, and as an insurance agent, this is a great opportunity to check in with clients and ensure they ha...

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Apr 18, 2024 | 8 min read

What Does Life Insurance Cover?

It’s not often that life insurance comes up in our everyday conversations. That means a lot of people have questions about life insurance in...

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Apr 11, 2024 | 8 min read

6 Life Insurance Tips for Financial Literacy Month

We all know that life insurance provides protections for loved ones during life’s unexpected moments. Yet, only 52% of Americans have a life...

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Apr 04, 2024 | 6 min read

Annuities and Taxes: What You Need to Know

Tax season is here, and most folks are starting to wonder what they need to account for, which accounts are subject to taxes, and how their ...

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Mar 21, 2024 | 7 min read

What is Universal Life Insurance?

Finding the right life insurance policy for your needs isn’t always black and white. There are a lot of unique features for each type of lif...

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Mar 14, 2024 | 6 min read

Understanding Hybrid Annuities to Maximize Financial Security

If you’re making retirement plans, then you’ve probably considered annuities. But, have you considered a hybrid annuity? Annuities are desig...

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ELCO Mutual and its representatives are not legal or certified tax professionals. For tax and/or legal advice, please contact a licensed professional. ELCO Mutual contracts with independent licensed insurance producers and does not guarantee nor certify them as financial planners. Not insured by the FDIC or associated with any government program or agency. Annuities are not associated with a bank. Withdrawals taken from annuities before the age of 59 1/2 are subject to the IRS's 10% excise tax. Individual Retirement Accounts (IRAs) cannot be opened past the age in which Required Minimum Distributions (RMDS) begin. Dividends are declared by the company's board of directors and are not guaranteed. When purchasing a single premium whole life policy, please note that the policy is a Modified Endowment Contract (MEC). Any distributions taken by the owner may be taxable (including from the accelerated death benefit rider). Death benefits for life insurance contracts are contingent on any due premiums being paid. The information on this website is intended for informational and educational purposes only and is not intended to provide investment advice or a recommendation. Clients seeking advice should consult a licensed professional. All life insurance policies and annuities are underwritten and issued by ELCO Mutual Life and Annuity. Also known as ELCO Mutual Life and Annuity Company in Florida. Policy Forms: Platinum Eagle: (ICC19-SPL-19), Golden Eagle: (ICC19-WLP-19), Silver Eagle: (ICC19-FE19, ICC21-GBWL21, ICC19-MWL19, ICC21-GIWL21m ICC21-SPLR21), Preneed: (PNMPSI20, PNMPGI20, PNSPL20), DFD: (DFD21, DFD0113), Presidio Plus: (ICC21-TSPL21), Guardian Eagle Single Premium: (ICC19-MYGA[term length]-19), Guardian Eagle Flexible Premium: (ICC16-FPA16), and Immediate Annuities: (SPIA11 and ICC17-AIFXB17). Policy forms may vary by state.
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