Annuity Atlas
Today's top ratesMYGA3yr 6.10%5yr 6.30%7yr 6.35%10yr 6.30%FIA S&P cap3yr 9.70%5yr 16.00%7yr 12.90%10yr 17.00%
As of Oct 26 · B++ or betterAll rates →

Expert review · 2026

ELCO Mutual review

Annuity Atlas covers 7 ELCO Mutual annuity products with live rates and contract specs. 7 carry full editorial reviews.
How we rank →Today's rates →

A.M. Best

B++

Insurer claims-paying rating

Products tracked
7
MYGA yield (lineup max)
5.70% · 10yr · Guardian Eagle 10-Year
Surrender range
1–10 years
Rate as of Oct 1, 2026
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Products covered
7
A.M. Best
B++
Categories covered
MYGA

7 ELCO Mutual annuities

Click any product for rates, specs, and the full peer-group review.

Guardian Eagle 10-Year
Buyers who want a full decade of locked, no-MVA growth and can commit to nine years of reduced liquidity
B++
A.M. BEST
MYGA10-YR SURRENDER
Review →
Guardian Eagle 5-Year
Conservative savers who want a simple 5-year guaranteed-rate contract with no MVA and don't need income or death-benefit riders
B++
A.M. BEST
MYGA5-YR SURRENDER
Review →
Guardian Eagle 7-Year
Conservative savers comfortable committing money for a full seven years who prioritize a guaranteed rate lock over near-term withdrawal flexibility, in states where the contract is approved
B++
A.M. BEST
MYGA7-YR SURRENDER
Review →
Guardian Eagle 3-Year
Savers who want a genuine 3-year rate lock and are comfortable deciding at that point whether to exit or extend into a longer schedule
B++
A.M. BEST
MYGA5-YR SURRENDER
Review →
Guardian Eagle 2-Year
Savers who want a shorter first rate commitment with a real exit option at the two-year mark, and who are organized enough to act during a narrow window
B++
A.M. BEST
MYGA5-YR SURRENDER
Review →
Guardian Eagle 1-Year
Conservative savers who want a 5-year commitment but value having a genuine, penalty-free exit ramp after the first year if the renewal terms don't look attractive
B++
A.M. BEST
MYGA1-YR SURRENDER
Review →
Guardian Eagle Flex
Savers who want a low-minimum, flexible-premium fixed annuity and value a no-cost nursing home/terminal illness waiver more than chasing the highest locked-in rate
B++
A.M. BEST
MYGA5-YR SURRENDER
Review →

Frequently asked questions

Is ELCO Mutual a good annuity company?
We have reviewed 7 ELCO Mutual products, and A.M. Best rates the carrier B++ for financial strength.
What is the surrender period for ELCO Mutual annuities?
Surrender periods on ELCO Mutual's current lineup run 1–10 years, depending on the product. Most products allow an annual free-withdrawal amount before charges apply. The product table above shows each product's surrender length, and each review covers the exact schedule.

Sources & standards

How we know what's on this page

Rates, terms & availability
Annuity Rate Watch, which aggregates carriers' filed rate sheets. Refreshed every night.
Financial strength
A.M. Best. We publish the carrier's letter rating rather than a score of our own.
Contract detail
The carrier's own brochure, minimum guaranteed surrender value, death benefit, RMD treatment, annuitization options, waiver riders and free-withdrawal terms. Where the brochure and the rate feed disagree, the brochure wins: it is the filed document. Where neither carries a fact, the page omits it. We do not fill gaps with estimates.
Full methodology →Who publishes this →

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