Latest Blog Posts

Interest Rates Have Moved – Finally

Thu, 17 Dec 2015 18:25:32 Z

Now that the Fed has made a tiny step toward increasing the rate, (.25 or 25 basis points) what does this mean?  Right now, not much.  As noted in this Reuters article, consumer loans, mortgage rates and auto loans may see a slight increase.  But what does it mean for us in the financial services […]

Elderly Clients Can Bring Special Challenges

Fri, 11 Dec 2015 19:59:36 Z

I was reading an article titled, “Unraveling Minds“, by Mason Braswell, about the bind that advisors find themselves in when their elderly clients experience loss of mental capacity. As an advisor to financial professionals, I have seen this issue create difficult situations not only for the client, but for the advisor as well. Since this […]

Low Interest Rate Environment on the Insurance Industry

Wed, 25 Mar 2015 21:04:10 Z

  The long and prolonged low interest rate environment has had a notable impact on the life insurance industry. A Towers Watson CFO survey in 2012 showed that 97% of the respondents consider interest rate risk to be a significant exposure and almost half consider the prolonged interest rate environment as their greatest threat to […]

AML Training, etc.

Lately, we have been getting a lot of requests from carriers for agents to update their AML training. In order to not hold up your cases, please be sure and renew this training especially if you have recently or are planning to submit business. 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 submit with case. Just ask me how I know....

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

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

  • They have the most competitive companies, knowledge of the products and advanced markets, and backroom support to make it easy for me to write business.
    --Dennis Chmiel, Producer

  • 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

  • Coming back to LifeMark Securities Corp as my broker dealer, and Upstate Special Risk for fixed business has been great for me. The speed in which my life insurance cases go through Upstate is impressive. Being able to work through one channel for all of my business has been helpful in every area of my business. Thanks and appreciation from me to you, the LifeMark and Upstate team.
    --Jeanette Bouquin, Producer