Upstate Special Risk Services, Inc.

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Latest News

Fixed Annuities are Hot Right Now!

In this climate of uncertainty, clients are looking for some stability while still getting a decent return. Fixed annuities are filling a need for your clients who want some stability as part of their portfolio. Here’s just one example of current rates being offered by our carriers: American National. (There are files for NY-only and non-NY.)

If you would like to see a full comparison of current rates, or have a case to discuss, please contact Liz Casper at lcasper@e-upstate.net or give her a call at 585-273-8530 x 3003.

Mutual Income Solutions: Now Available in New York!

Mutual of Omaha’s new disability income insurance product, Mutual Income Solutions, will make it easier to do business with them, while the competitive features and benefits will help your customers select the coverage that best fits their needs.

This disability income insurance product is well-positioned to help agents meet all their clients’ income protection needs, especially those in the affluent market.

Competitive Features and Benefits

Here are the highlights of this new product:

  • Increased Benefit Amounts – Maximum monthly benefit of $20,000 per month.
  • New Benefit Periods – Help clients who want to extend coverage to a target retirement age.
  • Two Policy Types – Clients can select a non-cancelable or guaranteed renewable policy.
  • Optional Benefits – Policies can be customized to enhance and expand coverage.
  • Valuable Discounts – Help your clients save money with discounts.

 

What You Need to Know About Long Term Care

Stand alone and hybrid policies can provide solutions to the “what ifs” of aging.

Check out the “What you need to know…” brochure below for information on talking to your clients about retirement and aging and how you can mitigate those risks.

For more information contact Andrea Graham or give her a call at 585-273-8530 ext 3012.

Long Term Care Resources

A Helpful Short Video to Show to Your Clients

Here is a brochure linking 2 separate videos which can be used to discuss LTC with your clients. Please choose the one for your state.

What You Need to Know about LTC

Both Hybrid and Stand-Alone

Check out this brochure that details some of the differences between the types of LTC products.

Top 10 LTC Considerations

Understanding how medical issues affect long term care underwriting is a valuable tool in assessing your client’s ability to obtain coverage.

This piece offered by Mutual of Omaha will help guide you in assessing your client’s health issues. Have questions? Contact Andrea Graham at agraham@e-upstate.net or give her a call at 585-273-8530.

Photo by Andrea Piacquadio from Pexels

February LTC News and Views

Happy shortest month of the year! Even when an extra day is added … and speaking of days, this is when they get longer (unless you’re watching True Detective) as we slowly move towards a delightful spring. Here’s to the rodent, two more months of winter because what does a woodchuck know anyway? Cheers for Black History Month, National Dark Chocolate Day, which you can look up or just celebrate whenever, Chinese New Year of the Dragon, and of course Valentine’s Day.

–Andrea

The Right Choice

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Our Satisfied Customers

“Upstate Special Risk has been a vital part of my marketing plan for almost a decade. With imagination, insight and an appreciation for the importance of detail, the risk management experts at Upstate have been instrumental in my firm’s growth. Embracing a model of holistic planning has greatly benefited my clients, and has led to my company’s growth through an increase in referrals and introductions. While I can’t be an expert in every aspect of wealth management and planning, my partnership with Upstate Special Risk can bridge that gap and move my clients forward in their pursuit of financial security!”

Linda J. Black CHFC, GFS, RICP

Producer

“Upstate Special Risk Services offers prompt, friendly, professional services for my life insurance clients. I especially appreciate the regular follow ups to let me know how the applications are progressing. I have done business with USRS for years and am very happy with the services they offer to my agency and my clients.”

Scott Greene

Producer

“I have worked with Upstate Special Risk Services for almost 5 years. The support has been amazing since our first meeting. The help and guidance of the folks at home office is second to none! They continuously help me grow my business and my knowledge through phone conversations and email. Their approach as fiduciaries and trusted advisors is refreshing and nothing short of exemplary. I am looking forward to our growth together over the next several years.”

Ronald J. Drake

Registered Representative

“Ever since I have made the move to Upstate our Life and Disability production has quadrupled. We aren’t doing anything different but they are. Instant on line term quotes. Rock solid advice and markets for the harder to place risk. Superior support and knowledge. All of this allows me and my staff to feel 100% confident asking our clients for the business knowing that we will get great rates, fast turn around and phenomenal support. Thank you to everyone at Upstate.”

Steven Desino

President, Pinnacle Insurance Co.

Liz Casper recently helped me with a life case and her efforts were outstanding. I’d met with a new client and together we completed a review of his family’s investment and insurance accounts. Together we decided on doing a 1035 exchange on his life contract to more closely align with his short and long term needs. I won’t get into all the messy details, but suffice it to say we ended up in quite a pickle. After a drawn out application and issue period it appeared that the old policy was irrevocably canceled and the new policy was about to be issued without the design and features we had initially intended. NO ONE was happy! There was a lot of discussion and Liz ended up expertly pleading our case to the new company. The outcome ended up better than our original plan design as the client was able to omit his 1st year premium. This helped tackle a near term cash flow emergency which had cropped up during the underwriting process. A lot of FMO’s might very well have thrown in the towel, and I would have ended up with egg on my face, but Liz didn’t quit. Three cheers for Upstate Special Risk for both their knowledge and determination!”

Scott A Curtis

NEA Retirement Benefits Specialist