Volume XIIII | February 2020
(570) 421-7447
"Think Frailey First"
AGENCY
INSURE YOUR ❤️ LOVE
Jennifer L. Herscap
Member Protection Service Sales Associate
Herscap continues her personal growth at
Frailey Insurance and Financial Services 
Stroudsburg insurance agency, Frailey Insurance and Financial Services, named Jennifer L. Herscap Member Protection Service Sales Associate. Herscap joined the team in November of 2017 as the Administrative Assistant to the Chief Operations Officer. After company reorganization, she studied and passed the state exam for Property and Casualty.   Herscap will focus on  servicing existing clients and creating new relationships by helping them to protect what matters most.
Herscap attended Pocono Mountain Senior High School and has previously worked for the Monroe County Court House; Mt. Airy Casino and Resort and several retail businesses throughout the county. A native of Monroe County, she’s extremely active in various community organizations such as Relay for Life Greater Pocono-Committee and Team Captain for Cardinals for a Cure Pocono Mountain Class of 1985. She currently lives in Jackson Township, is a mother of three and a grandmother of 2 grandsons. She enjoys singing karaoke, reading and camping. At the top of her list, however, is traveling with her daughter and supporting Kay’s photography business.

For m ore information, visit  fraileyinsurance.com
COMMUNITY
Valentine's Day
throughout town.....
Valentine's Day at Pocono Farm Stand

Pocono Farm Stand in Tannersville is known for there gorgeous long-stem roses, at a price you won’t find anywhere else! They also have fresh, hand-dipped chocolate covered strawberries, candy gift boxes, and a variety of exclusive gift items for him and her!


Karaoke Competition Series
Friday, February 14, 2020

8:30pm-10:30pm Tavern by the Lake
Join us for The Karaoke Competition Series at Memorytown's TAVERN BY THE LAKE.



Check out Local Restaurants with Valentine's Specials


and so many more.....

INDUSTRY
Insure Your ❤️ Love
....protecting what matters most to you!
Your life insurance coverage needs may change if your personal situation changes. For example, if you get married, have a child or get a promotion, you may want to increase your coverage. Make sure that these strategies and products are suitable for your long-term life insurance needs. Also, make sure you are able to continue premium payments so your policy doesn’t lapse if the market declines. If you take a loan, withdrawal or partial or whole surrender your death benefit may be reduced, your policy may lapse or you may face tax consequences.
There are fees and charges for variable life insurance coverage, including a cost of insurance based on characteristics of the insured person, such as gender, health and age. There may also be underlying fund charges and expenses, and additional charges for riders that customize a policy to fit your individual needs. Investing involves risks, including possible loss of principal.
Life insurance FAQs
Why do I need life insurance?
Life insurance offers peace of mind by ensuring that your loved ones will be taken care of in the event of your untimely death. Plus, payouts are tax-free.
Is my policy through work enough?
Life insurance through your employer is not portable, so it won’t come with you if you leave the job. Also, the amount is often not enough to meet people’s protection needs.
Why should I get coverage now?
Rates tend to go up as you age. Buying a policy when you’re younger lets you lock in a lower rate.
What is term life insurance?
“Term” refers the length of coverage that you choose. If you pass away during the term (usually 10, 20 or 30 years), your beneficiaries receive a cash payout.
Why is term life a good option?
With term life insurance, you’re only paying for the years where the need is greatest (when your kids are younger or in college), and it is usually the most affordable type of insurance.
Are there other types of life insurance besides term?
There are other types of insurance for people seeking life-long coverage, but these types tend to be more expensive.  Learn more .
How much do I need?
This depends on what you want to leave when you’re gone. There are two common methods for calculating the amount of life insurance you need: lump sum and income replacement.  Learn more about these methods .

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