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Recent Blogs About Retirement

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6 min read

Understanding Hybrid Annuities to Maximize Financial Security

If you’re making retirement plans, then you’ve probably considered annuities. But, have you considered a hybrid annuity? Annuities are designed to provide a steady stream of income through retirement,...

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Mar 14, 2024 | 6 min read

Understanding Hybrid Annuities to Maximize Financial Security

If you’re making retirement plans, then you’ve probably considered annuities. But, have you considered a hybrid annuity? Annuities are desig...

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Nov 09, 2023 | 6 min read

What You Can Do With Life Insurance Benefits

One of the best things you can do for yourself and your family is plan for the future. Even though discussions of end-of-life care or what h...

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May 05, 2023 | 7 min read

How Annuities Can Enhance Retirement

Setting up an annuity for retirement can be a great way to help you ensure that you have the money you need to pay your living expenses in y...

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Apr 10, 2023 | 5 min read

Using Qualified and Non-Qualified Retirement Plans to Your Advantage

When setting up retirement savings and income streams to prepare for life after work, there are a lot of terms your financial advisor or pla...

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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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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.