AN INDEPENDENT RISK MANAGEMENT COMPANY 

FRM Group Insurance and Financial Services


June 2025 Newsletter

Happy Father’s Day!

from FRM Group Insurance!


To all the amazing fathers, grandfathers, stepdads, and father figures — we see you, we appreciate you, and we thank you!

From guiding us through life’s twists and turns to being the ultimate protectors of their families, you inspire us every day.

This Father’s Day, we wish you a day filled with love, laughter, and the joy of knowing you're making a difference. 💙

Happy Father’s Day from our

FRM Insurance and Financial Services' family to yours!

🚨 Scam Alert: Gift Card Fraud Can Happen to Anyone


We want to bring attention to a growing and dangerous trend: gift card scams. It’s easy to believe these only affect the elderly, but the reality is anyone can be a target.


"Recently, one of our clients was nearly a victim of a very convincing scam impersonating a well-known antivirus company. The scammer sent a fraudulent email claiming she owed money and threatened to shut down her computer. They gained her trust, directed her to a fake form, and even gained access to her bank account. From there, they instructed her to purchase multiple $250 gift cards from Target and CVS — a tactic commonly used to avoid traceable transactions."


Thanks to quick action by her niece and her bank’s fraud department, most of the damage was reversed. CVS was able to deactivate the gift cards and issue a refund, though Target’s resolution is still pending.


Unfortunately, the stress from the event led to a physical injury, landing the victim in the hospital.



💡 How to Protect Yourself:

  • Always verify the sender of emails or texts before clicking any links.
  • Never provide account information or access to your computer over the phone.
  • Legitimate companies will never ask for payment via gift cards.
  • Report suspected fraud to your bank, the FTC, and local law enforcement.
  • 🔐 Stay alert, stay informed, and if you’re unsure — call us. We’re happy to help you navigate these challenges.

🎣 National Fishing & Boating Week (June 7–15)

Whether you're heading to the lake with your boat or enjoying the summer breeze from the marina, now is the perfect time to review your boating insurance.

🚤 Boating Insurance Coverage Includes:

  • Liability coverage for accidents or injuries
  • Physical damage to your boat, trailer, and equipment
  • Protection against theft, storms, or collisions
  • Coverage for medical payments and towing assistance


Even if you only use your boat a few times a year, the risks are real and we’re here to make sure you’re properly protected.


📞 Give us a call today at

570-421-7447


....and ask about boat or watercraft insurance options tailored to your summer plans.

Don’t Forget to Schedule Your Insurance Review!


As we head into spring, now is the perfect time to review your policies and ensure you’re fully protected.


Book an appointment with our team today!

📞 Call us: 570-421-7447 for Jonathan

📞 Call us: 610-377-4382 for Ronnie


 FRM Group Insurance and Financial Services

Protecting What Matters Most

Stacy J. Ferguson

Account Manager,

Personal Lines

StacyF@FRMinsurancegroup.com

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Ronalyn D. Birnbaum

Managing Agent,

Commercial/Personal Lines

RonnieB@FRMinsurancegroup.com

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24/7 Service, On Your Schedule!


Life is busy, and we get that! That’s why FRM Group Insurance and Financial Services offers 24/7 service availability, so you can reach us when it works for you—even if it’s late at night or early in the morning!


✔️ Need a quote?

✔️ Have questions about your policy?

✔️ Filing a claim?

We’re here—anytime, anywhere. Your time matters to us.

#AlwaysHereForYou #ThinkFraileyFirst

Take your agent with you!

FRM Group Insurance and Financial Services is licensed in Pennsylvania,

Alabama, California, Delaware, Florida, Georgia, Indiana, Kansas, Maryland,

New Jersey, New York, North Carolina, Ohio, South Carolina, Tennessee, Texas


#poconoinsurance #FraileyCoversYourHome #FraileyHablamosEspanol #carboncountyinsurance #lehightoninsurance #jimthorpeinsurance

#weprotectwhatmattersmost #thinkfraileyfirst #takeyouragentwithyou

#askmeaboutmyicon

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FRM Group Insurance and Financial Services

1286 N Ninth Street, Stroudsburg , PA 18360

One Bethlehem Plaza Suite 902, Bethlehem, PA 18018

445 Coal St, Lehighton, PA 18235