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Recent Blogs About Life Insurance (2)

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8 min read

What is the Life Insurance Coverage Gap?

As of 2023, 52% of Americans report having a life insurance policy, according to a study conducted by the Life Insurance Marketing and Research Association (LIMRA) and Life Happens. While this is more...

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Dec 28, 2023 | 8 min read

What is the Life Insurance Coverage Gap?

As of 2023, 52% of Americans report having a life insurance policy, according to a study conducted by the Life Insurance Marketing and Resea...

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Dec 21, 2023 | 8 min read

Life Insurance Trends to Watch for in 2024

As much as the life insurance industry has stayed relatively consistent over the years, there are always shifts that independent insurance a...

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Dec 14, 2023 | 7 min read

Help! I Can't Keep Up with My Life Insurance Premiums!

Life changes and, sometimes, rather quickly. It can impact your well-being across the board, including financially. If you find yourself str...

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Dec 07, 2023 | 6 min read

What is Long-Term Care Insurance?

In 2020, the Administration for Community Living (ACL) estimated that someone 65 years or older has about a 70% chance of needing long-term ...

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Nov 30, 2023 | 5 min read

What Happens When a Term Life Insurance Policy Matures?

Even though life insurance is designed to keep your family protected in the event of your death, not all life insurance lasts for the rest o...

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Nov 22, 2023 | 6 min read

When Should You Upgrade Your Term Life Insurance Policy?

Frequently, we find ourselves in a position where there is an opportunity for change. What you thought was going to happen, and likely what ...

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Nov 16, 2023 | 6 min read

How to Give the Gift of Life Insurance this Holiday Season

Struggling to find a meaningful gift for your family for the holidays? Sometimes a gift card or a souvenir is great, but giving a gift that ...

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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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Oct 26, 2023 | 5 min read

What is a Participating Life Insurance Policy?

Looking for a way to keep your family financially protected for the future? Life insurance products with participating policies provide regu...

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Oct 12, 2023 | 5 min read

4 Reasons to Research Life Insurance Products Now

Preparing for the future can seem like a daunting task. The reality is that the sooner you begin to plan, the more benefits you and your lov...

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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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