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This material is not intended to be used, nor can it be used by any taxpayer, for the purpose of avoiding U.S. federal, state, or local tax penalties. This material is written to support the promotion or marketing of the transaction(s) or matter(s) addressed by this material. ELCO Mutual Life and Annuity and respective representatives do not provide tax, accounting, or legal advice. Any taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.

Investors should carefully consider an investment’s risks, charges, limitations, and expenses. This and other information about ELCO Mutual Life and Annuity are provided in the applicable product and underlying fund prospectuses. These prospectuses should be read carefully before investing.

ELCO refers to ELCO Mutual Life and Annuity (ELCO Mutual Life and Annuity Company in the state of Florida). Insurance products are issued by ELCO Mutual Life and Annuity in 43 States.  ELCO does not have licenses in the District of Columbia nor in the states of Connecticut, Massachusetts, New Hampshire, New Jersey, New York, Rhode Island or Vermont. Product availability and features may vary by state. 

No bank guarantee. Not a deposit. Guaranteed products WILL NOT lose value. Not FDIC/NCUA insured. Not insured by any federal government agency.