Life insurance
Coverage built around what your family would actually need, not a number pulled from a chart. Term, whole life and final expense options.
SurCare Insurance & Consulting
You’re more than a policy number.
Life, health and Medicare guidance in plain language — from someone who asks questions before making recommendations. Consultations are free, and there’s never any pressure to buy anything.
What we cover
Straightforward guidance, four ways
Across the coverage that matters most to you and your family — explained without the jargon.
Health insurance
Individual and family plans that fit your budget and your doctors, with help navigating enrolment windows and subsidies.
Medicare
Clear guidance through your Medicare options, enrolment periods and deadlines — so you understand the choice you’re making.
Auto & home
Property and casualty coverage is on the way, so you can keep everything under one relationship you already trust.
How it works
Three steps, no pressure
We talk over coffee
In person or on a video call. I ask about your family, your budget, your health, and what you’re actually worried about. No forms first — just a conversation.
I bring you real options
I come back with a short list of plans that fit what you told me, side by side, with the trade-offs spelled out in plain English — including the option to keep what you already have.
You decide, and I stay
You pick in your own time. Then I’m still your point of contact — for claims, renewals, life changes, and the annual check to make sure your coverage still fits.
About
Hi, I’m Fallon.
Insurance runs in my family — I grew up watching my mom and aunt build careers around helping people protect what mattered to them. I moved from Connecticut to North Carolina to build SurCare from the ground up.
I built it the way I wish everyone experienced insurance: personal, honest, and never just a transaction. That means I’d rather tell you your current policy is fine than sell you a new one. It means I answer my own phone. And it means when something goes wrong, you call me, not a queue.
Outside of SurCare, my husband and I run My Brew Thang — a coffee-and-connection community we’re building one gathering at a time.
Out in the community
You’ll probably meet me before you need me
Most of my work happens out in the community rather than behind a desk — at educational seminars and community bingos where people can ask questions without a sales pitch attached.
These events are open to anyone. Attendance is free, nothing is required of you, and you never have to apply for or buy insurance to take part.
Show up and say hi
Local gatherings where you can put a face to the name long before you have a question about coverage.
Yes, actual bingo
A genuinely fun afternoon out. Where there are prizes, they are of nominal value and everyone who attends is eligible — there is no obligation to enrol in anything.
Learn before you decide
Small, practical sessions on Medicare basics, enrolment timing, and what life insurance actually does. Educational only — no specific plans are discussed or promoted.
Seminars & community events
What’s coming up
Educational seminars and community bingo across Gaston County and the greater Charlotte area. Free to attend, open to the public, no appointment needed.
SurCare does not hold sales or marketing events. Nothing is sold at any event listed here.
Dates coming soon
The next round of seminars and bingos is being scheduled. Send me the dates, venues and times and I’ll add them here as proper event cards.
Educational seminars
- These are educational events only. They are held in public venues, are free to attend, and are open to anyone — there is no entrance fee and no registration requirement.
- No specific insurance plans are promoted or compared. No plan premiums, benefits, costs or star ratings are presented.
- No enrolment applications and no Scope of Appointment forms are distributed or collected, and no individual appointments are booked during the session.
- Giving your contact details is entirely optional. Nothing is required of you to attend or to stay.
Community bingo
- Bingo is a community event hosted by SurCare. It is social, not a seminar and not a sales presentation — nothing is sold and no insurance is presented.
- Where there are prizes, they are of nominal value and are offered to everyone attending on the same terms, regardless of whether anyone enrols in or applies for anything. There is no obligation to enrol in any plan.
- Attending does not sign you up for anything and does not obligate you to speak with an agent. If you would like a one-to-one conversation afterwards, you are welcome to arrange one on your own terms.
Not connected with or endorsed by the United States government or the federal Medicare program. For information on all of your options, contact Medicare.gov, call 1–800–MEDICARE, or contact your local State Health Insurance Assistance Program.
Free guide
Not ready to talk yet? Start here.
Grab the free guide — 5 Questions to Ask Before You Buy Life Insurance. No pressure and no sales call, just honest information to help you make a good decision.
One email with the guide. Unsubscribe any time.
Common questions
Good things to ask
Does it cost anything to talk to you?
No. Consultations are always free and there’s no obligation to buy anything, ever. If meeting at a coffee shop is easiest for you, that works — I’m happy to meet wherever you’re comfortable.
I’m turning 65 soon — when should I start looking at Medicare?
Ideally two to three months before your Initial Enrolment Period begins, so we have time to compare options without a deadline crunch. If you’re already past that window, let’s talk anyway — there are still paths forward.
Do I have to meet in person?
Not at all. I’m based in Gastonia, NC, and I’ll meet in person anywhere within about 45 minutes — which covers much of the greater Charlotte area. Anywhere further, we’ll connect by video or phone, which works just as well.
What states are you licensed in?
North Carolina, South Carolina and Connecticut.
What if I already have a policy — can you still help?
Absolutely, and this is a lot of what I do. I’ll review your existing coverage to check it still fits your life. Sometimes the honest answer is that you’re in good shape and don’t need to change a thing.
Do you handle auto and home insurance?
Not yet — property and casualty is coming soon. In the meantime I’m happy to point you in a sensible direction.
Let’s talk
Two ways to reach me
Book a free consultation if you’re ready — by phone, video, or in person over a cup of coffee. Not ready for that yet? Just send a message and I’ll answer your question. No appointment, no pressure.
Licensed in North Carolina, South Carolina and Connecticut. In-person meetings available within about 45 minutes of Gastonia, NC, covering much of the greater Charlotte area.
Book a free consultation
Not ready to book? Send a message.
Ask a question, or just tell me what you’re trying to work out. I read every message myself and I’ll reply personally. You are not signing up for anything and there is no obligation to buy.