Become a Member

Membership is open to all individuals who are of good moral character and who are judged supportive of the purpose and ethnic heritage of the Polish Falcons of America. In addition to our insurance and annuity offerings, we also provide Members with a variety of other benefits.

Protecting You and Your Loved Ones

Polish Falcons of America has been safeguarding the needs of Members and their families since 1928. Today, PFA is proud to offer a wide selection of Permanent and Term Insurance, Medicare Supplement Insurance, and Annuity options tailored to fit all needs.


Annuities are cash accumulation plans with many distinct advantages over other types of savings programs or investments. They are a simple and effective way for anyone- regardless of means - to put money away for the future.

The Polish Falcons of America offer annuity plans that provide competitive earnings on a tax-deferred basis. PFA Annuity rates are subject to change. Surrender charges may apply for early withdrawal.

PFA Flexible Plus Deferred Annuity

Our Flexible Premium Deferred Annuity can be opened with an initial deposit of $1,000 by individuals ages 20 to 85. Interest accumulates on a tax-deferred basis. This means you do not pay taxes on your interest until you begin to withdraw your money.

$25,000 Maximum Annual Deposit (excluding initial deposit)


Interest Crediting Rates:

Annuities Issued Starting April 1, 2013—Guaranteed Rate of 1.00%.

Account Balance New Rate
$1,000 - $1,999 1.25%
$2,000 - $9,999 2.00%
$10,000 - $49,999 2.50%
$50,000 and up 3.00%


Persistency Bonus:

At the end of the 20th certificate year, if the certificate is still in force, the Accumulation Value will be re-calculated using an interest rate 0.50% higher than what had been credited during the 20-year period.



After the first certificate year, you may withdraw up to 10% of your total accumulated without a penalty.

The PFA surrender charge for withdrawal of funds (in excess of the 10% free withdrawal) is according to the following schedule, expressed as a percentage of accumulated value:

First Certificate Year


Second Certificate Year


Third Certificate Year


Fourth Certificate Year


Fifth Certificate Year


Sixth Certificate Year


Seventh Certificate Year


Eighth Certificate Year


Ninth Certificate Year


Tenth Certificate Year


Coverdell Education Savings Account

A Coverdell is a tax advantaged investment account created to encourage savings for the purpose of paying the qualified education expenses of the designated beneficiary of the account. Contributions to the Coverdell ESA are not tax deductible, but amounts deposited in the account grow tax free until withdrawn. Generally withdrawals are free if they are used to educational purposes and are not more than the beneficiary’s qualified education expenses for the tax year. You can make contributions to a Coverdell ESA and a Qualified Tuition Program (QTP) in the same year for the same beneficiary. The designated beneficiary can be changed to a member of the beneficiary’s family without tax consequences if at the time of the change the new beneficiary is under the age of 30. Generally, when the account is established, the designated beneficiary must be under age 18 but can be 18 or older ONLY if he or she is a special needs beneficiary.

Click here for more information on the Coverdell Education Savings Account.

More Information

Click here to request additional information regarding financial services.