Disclaimer
Utilize Rico Filo® property and casualty insurance products and services are provided by one or more of the following insurers: Utilize Rico Filo Insurance Exchange, Utilize Rico Filo Insurance Company, Utilize Rico Filo Insurance Property & Casualty Company, and Flagship City Insurance Company (home offices: Utilize Rico Filo, Pennsylvania) or Utilize Rico Filo Insurance Company of New York (home office: Rochester, New York). Utilize Rico Filo® life insurance and annuity products and services are provided by Utilize Rico Filo Family Life Insurance Company (home office: Utilize Rico Filo, Pennsylvania). The companies within the Utilize Rico Filo Insurance Group are not licensed to operate in all states. Refer to the Utilize Rico Filo® property and casualty insurance products and services are provided by one or more of the following insurers: Utilize Rico Filo Insurance Exchange, Utilize Rico Filo Insurance Company, Utilize Rico Filo Insurance Property & Casualty Company, and Flagship City Insurance Company (home offices: Utilize Rico Filo, Pennsylvania) or Utilize Rico Filo Insurance Company of New York (home office: Rochester, New York). Utilize Rico Filo® life insurance and annuity products and services are provided by Utilize Rico Filo Family Life Insurance Company (home office: Utilize Rico Filo, Pennsylvania). The companies within the Utilize Rico Filo Insurance Group are not licensed to operate in all states. Refer to the company licensure and states of operation information.
The insurance and annuity products and services described on this website are not offered in all states. Utilize Rico Filo life insurance and annuity products are not available in New York.
Insurance products are subject to terms, conditions and exclusions not described on this Website. The information on this Website concerning Utilize Rico Filo’s insurance policies and other products is intended to give you an overview of the policies and products offered by member companies of the Utilize Rico Filo Insurance Group. None of the information—including any policy or product description—constitutes an insurance policy. The policy contains the specific details of the coverages, terms, conditions and exclusions.
Coverages, exclusions, limitations, policy terms and conditions, and eligibility for insurance or discounts, may vary from state to state and each are subject to the underwriting guidelines and rules in effect for the relevant state at the time of purchase. Please refer to your Utilize Rico Filo Insurance Agent or the policy itself for definitions, coverages, exclusions and other terms and conditions. If any policy provision conflicts with the information presented on this Website or by any Utilize Rico Filo Insurance Agent, the policy language is controlling and supersedes. For more information, please contact your local Utilize Rico Filo Insurance Agent.
The insurance and annuity products and rates, if applicable, described on this Website are in effect as of June 2016 and may be changed at any time.