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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 preparing early—the earlier you start setting up income streams and ...

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Mar 23, 2023 | 6 min read

Life Insurance Trends to Watch for in 2023

As much as the life insurance industry has stayed relatively consistent over the years, there are always shifts that independent insurance a...

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Mar 16, 2023 | 4 min read

Understanding Fixed Rate vs Variable Annuities

When planning for your future, it is critical to understand what options are available to keep your finances secure. Annuities are an excell...

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Mar 09, 2023 | 6 min read

How Preneed Insurance Can Help You Prepare for Funeral Costs

When a loved one enters into palliative care, it’s hard to articulate the overwhelm of emotions and concerns. Not only do you face the emoti...

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Mar 02, 2023 | 5 min read

Understanding How a Medicaid Compliant Annuity Can Help You

As Americans age, they face the reality of needing long-term care in their retirement years. Unfortunately, many people determine that the c...

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Feb 23, 2023 | 5 min read

Taxes 2022: What You Need to Know to Prepare to File

Death and taxes. We can count on both coming around eventually and, much like life insurance itself, it’s best to be prepared. Still, when i...

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Feb 16, 2023 | 6 min read

Understanding MYGAs: How These Annuities Support Financial Security in Retirement

Annuities can be a confusing concept for many people, but understanding how MYGA annuities work is an important part of financial planning.

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Feb 02, 2023 | 5 min read

Understanding Annuities and Choosing Your Best Option

Most of us remember our first paycheck. Most of us held it in our hands, feeling excited, happy, and possibly proud of the work we’d done to...

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Jan 19, 2023 | 5 min read

Understanding Life Insurance Options and Choosing What's Best For You

Financial decisions, for most people, are daunting, especially when it comes to long term decisions that may impact your family, even when, ...

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Jan 12, 2023 | 3 min read

Annuities and Taxes: What You Need to Know

As we close in upon tax season, most folks are starting to wonder what they need to account for, which accounts are subject to taxes, and ho...

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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.