Life & Health Insurance

Falco and Associates provides a wide range of personal life and health insurance products including the following:

  • Personal Health Insurance
  • Life
  • Disability
  • Long-term Care
  • Annuities
 
Personal health insurance is insurance that pays for all or part of a person's health care bills. To request a personal health insurance quote select one of the companies below:

Auto Insurance, Home Insurance, Business Insurance, Commercial Insurance, Life Insurance, Health Insurance                           

Life insurance is a contract between the policy owner and the insurance provider, where the insurer agrees to pay a designated beneficiary a sum of money upon the insured individual's death or other event, such as terminal illness or critical illness. In return, the policy owner agrees to pay a stipulated amount at regular intervals or in lump sums.Request a life insurance quote from Falco and Associates
 
Disability insurance insures the beneficiary against the risk that Injury or disability will make working (and therefore earning income) impossible. Disability benefits may include sick leave, short-term disability benefits, and long-term disability benefits.
 
Long-term care insurance may covers home care, assisted living, adult daycare, respite care, hospice care, nursing home and Alzheimer's facilities depending upon the policy and terms. 
 

Annuity contracts traditionally provide a guaranteed distribution of income over time, until the death of the person or persons named in the contract or until a final date, whichever comes first. Annuities may also be used  to accumulate gains free of income and capital gains taxes until withdrawn with or without using the guaranteed-income-for-life feature.