Upstate Special Risk Services

We help INSURANCE PROFESSIONALS increase their sales and their bottom line.

With Upstate, REGISTERED REPS can easily design a HOLISTIC PRACTICE to increase their fixed insurance sales.

We offer the following and much, much more.

Andrea Graham's Latest LTC Newsletter

Long Term Care
Our resident LTC expert, Andrea Graham, has all the latest carrier news, sales ideas, and commentary on the state of LTC. Don't miss out on information you need to know.
 Click Here for the Latest LTC Newsletter

AML Training, etc.

Anti-Money Laundering Training is now required by all insurance carriers.   Please note that to Log onto the LIMRA site, you are now required to use your National Producer Number. To obtain this number, please click here to go to NIPR's website. The link for the LIMRA site is here. The carriers are automatically notified.

In addition, please remember that all fixed annuity products require product specific training. If you are planning on selling an annuity, be sure and check what training is required BEFORE taking an application. If you don't, you will have to start over which can be a real problem especially if you are ready to submit with case. Just ask me how I know....

Latest News

Monday, August 01, 2016 - Guaranteed UL is Back in NY!

New Signature GUL NY with Guaranteed Cash Out is now available for sale in NY starting 8-1-16.  Key features include:

  • 3 opportunities to receive all or a percentage of premiums paid in exchange for a full surrender - after years 15, 20 and 25 - The only Return of Premium in NY!
  • Competitive Pricing across the board especially ages 65 and under.
  • Deal a Guaranteed Death Benefit between ages 95 and 121.
  • Contractual Late Payment Forgiveness - an unusally competitive benefit that really helps post-sale!
  • Accelerated Benefit Rider for Terminal Illness
  • Term Conversion Premium Credit is Available when converting from their Signature Term portfolio.
  • For more details, click here.
  • 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.
    --Andrew J Fazio, President, Fazio Insurance Agency

  • We could not be more impressed with the attention we are given. We highly recommend Upstate Special Risk for all of your insurance needs.
    --Judy Janesh, Producer

  • Ever since I have made the move to Upstate our Life and Disability production has quadrupled.
    --Steve Desino, President, Pinnacle Insurance Agency

  • 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.
    --Scott Greene, Producer

  • 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 coming years.
    --Ron Drake, Registered Rep, LifeMark Securities Corp.

  • 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 Black, Leesburg, VA, Registered Rep, LifeMark Securities Corp.

  • For over 17 years, I have valued Upstate's support with my fixed business. Their unbiased offerings and expert assistance allow me to focus on providing my clients personalized service while addressing all of their financial needs.
    --Fred Scarpulla, Registered Rep, LifeMark Securities Corp.