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Recent Blogs About Life Insurance (4)

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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 with your clients. It’s a win-win. When it comes to revenue an...

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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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Mar 03, 2022 | 3 min read

How Preexisting Conditions Affect Final Expense Insurance Policies

How Preexisting Conditions Affect Final Expense Insurance Policies In 2019, an estimated 27% of adults under 65 years old was living with at...

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Feb 11, 2022 | 3 min read

How Final Expense Insurance Can Complement Your Life Insurance

What is final expense insurance? Final expense insurance is a type of whole life insurance with lower death benefit amounts than traditional...

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Jan 04, 2022 | 5 min read

5 Life Events That Happen When You Will Need Life Insurance The Most

We all encounter changes in our lives, and with the start of the new year, we start thinking about what lies ahead for us. Some of these cha...

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Aug 31, 2021 | 7 min read

30 Phrases to Know Before Buying Life Insurance

1) Insured The insured is the person whose life is covered by a life insurance policy. 2) Policy Owner The policy owner is the person who ha...

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Aug 26, 2021 | 3 min read

Want to Grow Your Retirement Income? Consider a Deferred Annuity

If you’re nearing retirement and have already built substantial savings, a deferred annuity can help you supplement your retirement income b...

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Jun 24, 2021 | 3 min read

What Is Liquidity in a Life Insurance Policy?

The liquidity of an asset refers to its ability to be converted into cash. In addition to the death benefit they provide, permanent life ins...

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Mar 31, 2021 | 3 min read

Are Life Insurance Benefits Taxable?

One of the great benefits of life insurance is that in most cases, it allows you to transfer a sizable amount of money to a beneficiary with...

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Jan 26, 2021 | 3 min read

Showing Your Love with Life Insurance

February is Insure Your Love month! Purchasing life insurance is a way to show your loved ones you care by protecting their financial securi...

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Dec 17, 2020 | 3 min read

Long-Term Care Insurance vs. Accelerated Death Benefits

While we may not like to think about it, many of us will need long-term assistance with meeting our health and personal care needs at some p...

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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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