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7 min read

What’s an Aftercare Program? (+What Happens after a Funeral)

Dealing with the end of a loved one’s life can be incredibly stressful under the best of circumstances. Discussing the end of your own life with your family and helping them prepare for life after the...

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Jul 20, 2023 | 4 min read

Misconceptions about Funeral Planning (+Where to Find Help)

While it might be uncomfortable to think about and discuss, funeral planning, prior to one’s passing, is an important part of helping family...

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Jul 06, 2023 | 6 min read

How Much Does a Funeral Cost? (+How to Prepare)

Planning a funeral can be emotionally draining. Not only is it often unpleasant to think about the end of your (or a loved one’s) life, but ...

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Jun 29, 2023 | 6 min read

Errors and Omissions Risk Management for New Life Insurance Agents

Being a life insurance agent can be a lucrative line of work, but it means putting in the hours as well. As with any professional service th...

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Jun 22, 2023 | 8 min read

Starting a Conversation about Final Expense Insurance with Loved Ones

It is an unfortunate fact of life that someday, sooner or later, it ends. Thinking about the end of your life—or the life of someone you lov...

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Jun 15, 2023 | 9 min read

Why Do You Need Life Insurance? (10 Reasons)

Determining when to buy life insurance (and how much insurance to purchase) can be complicated. Not only is starting a discussion about your...

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May 25, 2023 | 7 min read

What You Should Know about Annuity Rates and Trends (+Tips)

For many Americans, annuities are an excellent option for turning large amounts of cash into steady, ongoing income or for creating steady i...

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May 11, 2023 | 8 min read

How to Sell Annuities to Benefit Your Clients

So, you’re an independent insurance agent looking for a way to increase your sales by offering something other than life insurance. One fina...

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May 05, 2023 | 7 min read

How Annuities Can Enhance Retirement

Setting up an annuity for retirement can be a great way to help you ensure that you have the money you need to pay your living expenses in y...

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Apr 27, 2023 | 8 min read

5 Ways to Invest Your Tax Refund

Tax time can be incredibly stressful for a number of reasons—not the least of which is simply navigating the incredibly complicated tax laws...

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Better Future Secondary White-Gold

ELCO Mutual has been assisting seniors with our financial planning since 1946 and counting. Our goal has remained the same throughout our long history: to provide personalized service, consumer friendly products, and stability for our policyholders.

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Contact Us

Address:
916 Sherwood Drive
Lake Bluff, IL 60044

ELCO Business Hours:
Monday - Thursday 8 am - 4:30 pm (CST)
Friday 8 am - 1 pm (CST)

Talk to Us: 800.321.3526
Agency: 888.240.3351
PHS Fax: 847.295.6043
NB Fax: 847.295.6342
Claims Fax: 847.295.1145

© 2025 All rights reserved.

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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