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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!

Liz Casper and her assistant Stephanie recently helped me with a life case and their 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 and Stephanie didn’t quit. Three cheers for Upstate Special Risk for both their knowledge and determination!

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 Andy and all the team at Upstate.

Our firm has partnered with Upstate Special Risk for the past several years to fulfill our clients’ insurance needs. Our experience has been positive in every way. Each individual with whom we have had contact has been professional, caring and has provided prompt service. We are kept informed as to the status of each case and receive phone calls or emails with updates. We could not be more impressed with the attention we are given. We highly recommend Upstate Special Risk for all of your insurance needs.

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.

The purpose of this letter is to communicate my sincere appreciation for the extra effort put forth by Upstate Special Risk. I have been dealing with Upstate for over 20 years and it has been my experience that when a company, like Upstate provides quality service of the highest caliber, they tend to be the competing organization I seek to place my business. As all the people involved are true assets to the organization, I commend Andy Kalinowski for the value these special individuals provide to my Agency. Based on the service I’ve received from Upstate Special Risk, I will not hesitate to recommend your organization to all of my business associates.

I have worked with LifeMark/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 as well as GFS and Firm Element trainings. 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.