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About ELCO Mutual

Thank you for your interest in ELCO Mutual. For over 70 years ELCO has strived to support independent insurance producers such as yourself, with much success. Our portfolio of straightforward, no-nonsense products offers a strong foundation for advancing client's financial goals without all the hidden fees associated with many of the products consuming today's market.

By joining the ELCO family, you'll get the benefits of having a dedicated agency and marketing team that values your feedback and will consistently try to help you succeed. Also, you'll get to work with a dedicated staff that provides itself on their service. We aim to offer the best customer service possible, to both producer and client, which is why we answer every phone call personally. That's right, no more automation systems.

If you'd like to become an ELCO Mutual producer, click on the button below to set up a time to speak with a member of our team. We're happy you're here. 

Talk to the Home Office


Where does ELCO do business?

ELCO Mutual does business in 43 states and the District of Columbia. We do not currently do business in the states of Connecticut, Massachusetts, New Hampshire, New Jersey, New York, Rhode Island and Vermont.

Product availability varies by state. 

How much Errors and Omission (E&O) coverage do I need?
ELCO Mutual requires that you have at least $1,000,000 of liability coverage to get contracted. If you have any questions, please contact us at
How is ELCO's underwriting process?
ELCO Mutual utilizes a simplified underwriting process that doesn't require any medical exams. We use basic health questions and a quick phone call to determine eligibility and price. 
How long does it take to get contracted?
ELCO has an average turn around time of approximately 48 to 72 hours. Turn around times will vary based on the amount of information we receive, the debit check, and background investigation. 
Can I contract directly?
Contracting directly with ELCO is generally allowed for a majority of our products. However, there are certain products that require the use of our national marketers. For more information, please contact us at