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6 min read

What Is a Medicaid Compliant Annuity? + How to Sell Them

Caring for aging loved ones is difficult, especially when you consider all the stressors involved. People become caregivers for their aging parents, grandparents, and other family members as they star...

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Dec 29, 2022 | 5 min read

Why You Should Pre-Qualify Your Life Insurance Clients (+ Strategies)

The process of selling life insurance can be long, especially as you help your clients navigate the details of specific policies you offer a...

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Dec 23, 2022 | 7 min read

Understanding Whole Life Insurance and How to Sell It

The success of your independent insurance agency largely depends on your team’s expertise and knowledge of your products and insurance servi...

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Dec 08, 2022 | 6 min read

Finding an Insurance Carrier for Your Independent Insurance Agency

Independent insurance agencies have a commitment to their clients that they don't take lightly. They want to provide a variety of options th...

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Dec 01, 2022 | 5 min read

4 Tips for Independent Insurance Agents to Improve Persistency

Automation is one great way to streamline your business. It saves you time and effort and ensures you’re strengthening your relationships wi...

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Nov 21, 2022 | 4 min read

Interest Rates: How Life Insurance Agents Can Respond, Not React

Interest rates might as well carry that name because any time they change, we’re all interested. There’s no doubt that, like your clients, y...

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Nov 03, 2022 | 6 min read

6 Email Marketing Tips for Independent Life Insurance Agents

When it comes to being independent, the truth is it takes a lot of support. That means independent insurance agents need to leverage the too...

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Oct 31, 2022 | 7 min read

Client Communication Tips for Agent Success

In general, we tend to take the things we do daily for granted. We barely notice them until there’s trouble. For example, we barely notice b...

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Oct 20, 2022 | 5 min read

Leveraging a Hot Annuities Market With Risk Averse Clients

While sales might be your goal, your role as an independent life insurance agent goes well beyond selling. For many of your clients you’re a...

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Oct 06, 2022 | 5 min read

How to Take Advantage of Life Insurance Sales Growth

In sales, one of the best techniques for closing deals is focusing not on the product but on the need it fills. In times of uncertainty, lik...

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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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