Not-for-profit life insurance that answers to members, not stockholders.
- From Polish Falcons of America, a member-driven, not-for-profit fraternal benefit society
- Final expense coverage for ages 50–80, up to $25,000
- Simplified issue: you don’t need perfect health. Approval depends on your answers to health questions
- Full coverage from day one, with no waiting period, for those who qualify*
- Whole life plans for ages 0–80, with a guaranteed death benefit and cash value
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Free and no obligation. Serving Arizona, Indiana, Michigan and Pennsylvania.
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Figures from Polish Falcons of America.
What makes not-for-profit different
Polish Falcons of America is a fraternal benefit society. It is owned by its members, not stockholders, and it gives back to the communities where members live.
Member-owned
When you buy a policy, you become an Insured Benefit Member with a voice in the society, including the right to vote and hold office in your local Nest.
Gives back
Members can lead a service project or fundraiser in their community and receive a $150 grant from the society.‡
Scholarships and awards
Insured Benefit Members may apply for Polish Falcons scholarships and awards.‡
Simple to apply
Final expense is simplified issue. You answer health questions instead of meeting a perfect-health standard. Approval depends on your answers.
Protection that lasts
Permanent plans have a guaranteed death benefit as long as premiums are paid, and they build cash value over time.
Day-one coverage
If you qualify, your full benefit starts on day one. No waiting period.*
Health conditions that may still qualify for level, day-one coverage
Many people think a health condition means a waiting period. With Polish Falcons final expense, applicants with conditions like these may still qualify for full, level coverage starting on day one.*
*Examples only. Each application is reviewed individually based on the full health history, medications and answers to the health questions. Having one of these conditions does not guarantee approval or day-one coverage.
Protecting members’ financial futures and strengthening their communities since 1928.Polish Falcons of AmericaGet my free quote
Coverage options
A licensed agent will help you compare the plans below and explain the price in plain English.
Final expense insurance
Permanent coverage designed to help pay for a funeral and end-of-life costs, also called burial insurance.
- Ages 50–80
- Coverage up to $25,000
- Simplified issue, perfect health not required
- Guaranteed death benefit while premiums are paid
- Builds cash value
- Single-premium option available
Permanent whole life
Lifelong coverage with a guaranteed death benefit, cash value and premiums.
- Issue ages 0–80
- Five ways to pay: lifetime, 20-year, 10-year, 5-year or single premium
Children’s coverage
Start a lifetime of protection early.
- Permanent whole life is available for children, starting at birth
- Newborn benefit: a $5,000 death benefit at no cost until age one for children of eligible members (notify the society within 60 days of birth)
- Cash value that grows with them for life
Product details are from Polish Falcons of America. Ages, amounts and features vary by plan and state.
Peace of mind for the ones you love
A final expense or whole life policy can help your family pay for a funeral and final bills, so they can focus on each other when the time comes.
A proud heritage
- 1887
The first Falcons group begins as a youth gymnastics society on Chicago’s North Side. - 1928
Polish Falcons of America is established as a fraternal benefit society. - Today
More than 20,000 members nationwide, with local chapters called Nests, youth and sports programs, scholarships and charitable work. Headquartered in Pittsburgh, Pennsylvania.
How it works
Tell us about you
Fill out the short form or call. It takes about two minutes.
Review your plan
A licensed agent explains your options and price in plain English.
You decide
Apply only if it is right for your family. No pressure.
Common questions
What is a fraternal benefit society?
It is a not-for-profit membership organization that provides life insurance to its members and gives back through community, charitable and youth programs. Polish Falcons of America describes itself as a member-driven, not-for-profit fraternal benefit society.
Who can become a member?
Polish Falcons of America welcomes everyone who supports its ideals. When you have an active life insurance policy with the society, you are an Insured Benefit Member.
Does not-for-profit mean the agent is a nonprofit?
No. Polish Falcons of America is the not-for-profit insurer. This website is run by Michigan Benefit Services & Family Care, LLC, an independent insurance agency.
Do I need a medical exam?
Final expense coverage is simplified issue. You answer health questions on the application, and you do not need to be in perfect health. Approval depends on your answers and underwriting.
Can I buy coverage for a child or grandchild?
Yes. Permanent whole life is available for children, starting at birth, with the consent of a parent or legal guardian.
What states do you serve?
We currently offer Polish Falcons of America coverage in Arizona, Indiana, Michigan and Pennsylvania. Plan availability varies by state.