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5 min read

What is a Participating Life Insurance Policy?

Looking for a way to keep your family financially protected for the future? Life insurance products with participating policies provide regular dividends that can help you make long-term plans and fin...

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Oct 12, 2023 | 5 min read

4 Reasons to Research Life Insurance Products Now

Preparing for the future can seem like a daunting task. The reality is that the sooner you begin to plan, the more benefits you and your lov...

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Oct 12, 2023 | 9 min read

9 Myths About Life Insurance

Over the years, you've probably heard stories about how many spiders the average person swallows in their sleep and have never thought twice...

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Oct 05, 2023 | 5 min read

4 Tips for Selling Final Expense Insurance

Final expense insurance aims to help policyholders prepare for what comes next. When looking for coverage options, clients will turn to you ...

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Sep 28, 2023 | 5 min read

What Is Accelerated Underwriting and How Does It Benefit You?

Applying for life insurance often requires a look at your medical history to determine if you are in good enough health to be supported by a...

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Sep 21, 2023 | 5 min read

5 Strategic Marketing Tactics for Life Insurance Awareness Month

It’s the 20th anniversary of Life Insurance Awareness Month! This September, market your services to current and prospective clients by leve...

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Sep 14, 2023 | 5 min read

How Does Silver Eagle Final Expense Insurance Work?

To prepare yourself and your loved ones for the future, a whole life final expense insurance policy is a great way to make sure that your en...

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Sep 07, 2023 | 5 min read

Which Type of Final Expense Insurance Coverage is Right for You?

Planning for your family’s financial security can be stressful at times, but the sooner you take action, the more support you’ll be able to ...

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Aug 31, 2023 | 6 min read

Shopping for Final Expense Insurance Designed for Those Age 50+

Finding the right life insurance policy can be a challenge at the best of times. As important as it is to have an insurance policy in place ...

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Aug 10, 2023 | 4 min read

Term Life vs Whole Life Insurance: Which Do I Need?

Shopping for life insurance can be tough at times. There are many different kinds of insurance products and providers on the market and know...

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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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