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Recent Blogs About Life Insurance (5)

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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 point in our lives. The U.S. Department of Health and Human S...

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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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Nov 25, 2020 | 3 min read

Supporting Your Favorite Charities with the Gift of Life Insurance

The primary purpose of life insurance is to provide a financial safety net for the loved ones who depend on us, but this isn’t the only reas...

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Nov 10, 2020 | 2 min read

Understanding the Basics of Accelerated Death Benefits

An accelerated death benefits rider adds flexibility to a life insurance policy, giving the policyholder access to a portion of their death ...

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Sep 24, 2020 | 3 min read

What You Need to Know About Riders

Different types of life insurance are designed for different purposes, such as to replace the income of a breadwinner, pay off debt, or cove...

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Aug 13, 2020 | 5 min read

The Ins and Outs of Underwriting for Life Insurance

Underwriting for life insurance can be an important part of qualifying for a life insurance policy. Some insurers may not want to offer a li...

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Dec 11, 2019 | 4 min read

5 Things You Should Know If You’re Considering Whole Life Insurance

When you’re shopping for life insurance, you have a lot of choices. Whole life insurance can be an attractive option because it can build ca...

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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.