Frequently Asked Questions
News at ELM
- » May 2009
Press Release
Inflation study uses historical data to show that inflation during retirement may be far higher that the 3% assumed by many… - » March 2009
Kiplinger's Personal Finance
Interview with ELM President Chris O'Flinn as part of their educational video about annuities in retirement… - » August 2008
Accounting Today
"CPAs Can Help Boomers Make the Big Transition" cites elmannuity.com… - » June 2008
Spend 'Til the End
A 2008 book by Professor Laurence J. Kotlikoff and syndicated financial writer Scott Burns, recommends… - » May 2008
Wealth Manager Magazine
"Retirement Revised" quotes ELM officers on the value of annuities in retirement… - » March 2008
Employee Benefit Plan Review
"Employee Benefit Plan Review" interviews Chris O'Flinn, ELM President…
- » What does ELM Income Group® do?
- » Do you take "contingent" fees or other forms of compensation?
- » Who can buy the fixed annuity products you sell?
- » Do I need a medical exam to purchase these products?
- » Who should I call if I have questions?
What does ELM Income Group® do?
ELM Income Group is an independent insurance agency. It aims to help retirees increase their sustainable lifetime income. ELM® does this in a number of ways. First, it offers easy access to innovative fixed annuities issued by very large insurance companies. It also publishes, on its website, research findings on creating sustainable retirement income that otherwise would be difficult to locate in one place. Lastly, it provides full disclosure of the terms of the fixed annuities it offers. This is done using both the ELM website and the insurance company call centers dedicated to the annuities offered by ELM.
ELM Income Group, Inc. is not a subsidiary of, nor affiliated with, Principal Life Insurance Company, or any of its subsidiaries.
Do you take "contingent" fees or other forms of compensation?
ELM's only compensation is the fee paid to it by the insurance company when a product is sold by the insurance company call centers dedicated to ELM.
Who can buy the fixed annuity products you sell?
The products are available to the public. Not all products are available in every state.
Do I need a medical exam to purchase these products?
No. None of the fixed annuity products we sell requires a medical exam.
Who should I call if I have questions?
If you have any questions about a specific product, you should contact the insurer call center, which sells that product. You will find customer service contact information for each product on the left panel of this website. It is also on the product description page.
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