More beaches
    More stories
    More gathering
    More bonding
    More roadtrips
    More memories
    More productivity

    We were very satisfied with the friendly, diplomatic and efficient service Nadia (Verhaeghe) gave us. We especially appreciated the fact that she came to our home to set everything up. We did not need to come to her office. She is a very pleasant, young lady to do business with. 

    C. NELLY

    Salus Mutual

    January 1, 2023, sees Howard Mutual and West Elgin Mutual come together as Salus Mutual. This amalgamation is a culmination of many months of hard work by the boards and employees of both companies.

    We prioritize the health and safety of our employees, customers, and communities and respect that, due to health reasons, you may prefer to communicate with us by phone, email, or through our website.