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ELCO Mutual Life and Annuity is a “mutual” company, organized for the benefit of its policyholders. 

Our policyholders annually elect our officers who continue to serve the company's best interests.  From investing our funds to paying claims to answering policyholder questions, hiring and appointing new field representatives, our officers make each decision with the overall welfare of the company in mind.  Collectively, our officers have hundreds of years of executive experience running the insurance operation.