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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 love—can inspire existential dread in nearly anyone. Talking ab...

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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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Apr 20, 2023 | 6 min read

What to Do if You Miss the Income Tax Return Filing Deadline

April can be a stressful month for many Americans because, every year, it’s the month that their income taxes are due for submission to the ...

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Apr 13, 2023 | 8 min read

Tips for Choosing an Independent Life Insurance Agent

The life insurance industry is massive. Finding the right independent life insurance agent among the throngs of options available can be a m...

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Apr 10, 2023 | 5 min read

Using Qualified and Non-Qualified Retirement Plans to Your Advantage

When setting up retirement savings and income streams to prepare for life after work, there are a lot of terms your financial advisor or pla...

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Mar 30, 2023 | 7 min read

How Annuities Can Help You Achieve Retirement Goals

Retirement planning is something a lot of people don’t think about until it’s too late. The key to meeting your retirement goals is preparin...

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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.