Welcome to 2015!

Upstate Special Risk Services, Inc. is ringing in the New Year with a new partner to bring you even more resources, products, and sales support.

In addition to all the utilities and information already provided to our members, we will soon be offering:

    • More Carriers
    • More Tools
    • More Marketing Support

Subscribe to our newsletter -- Keeping Upstated -- or follow us on Twitter, to make sure you have a front seat as we introduce this valuable new content!

If you are not already registered with Upstate, Register Now!

Latest Blog Posts

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 […]

Finally, a Current Assumption UL Product we Can Get Excited About

Wed, 04 Feb 2015 15:45:14 Z

Due to the low interest rate environment, carriers have been moving away from the guaranteed UL market and moving toward Current Assumption UL.  While we still have guaranteed products available, these policies trade cash value for a guaranteed death benefit that will last as long as the premiums are paid. The Current Assumption ULs that are […]

Welcome 2015

Fri, 02 Jan 2015 18:59:54 Z

I don’t know about you, but as wonderful as the holiday season is for me and my family, I am always happy to put away the holiday decorations and get back to “normal”. We are especially excited for 2015, as this is the year that we are working with a new partner that will allow us to […]

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 her March Newsletter

Identify Your Clients for Single Premium LTC/Life Policies

Your most favorable prospects exist within your current book of business. Some examples are cash strong clients over the age of 60, someone selling a business or home, or have CDs about to mature. Don’t forget those professional clients between the ages of 40 and 55 who have become aware of the impact long term care has had on their parent and want to protect themselves from a similar situation.

One of our carriers has created a Client Profile Worksheet to help you identify clients who could benefit from this type of product. Need more information? Contact Liz Casper at 800-828-4415 ext 3003 to discuss a particular case.

Simplified Term Insurance now Available in New York

Simplified underwriting means no blood or urine needed and minimal underwriting questions. We now have a term product in NY with this limited underwriting. Click here for details. Need a quote or more details? Contact us at info@e-upstate.net.


Are you not yet appointed with William Penn but would like to submit an application with them? Using AppAssist®, William Penn will take your application in advance, and then notify us at Upstate to work with you to get appointed. Give it a try today!

Upstate's Swift Ticket™ Is Here!

Many of you have taken advantage of submitting your cases through iGO - the online application system. You can request an application, or electronically complete it yourself and submit it to the carrier. But we have also heard from some of you that you want an even easier system. Well, we've created it for you! You can run a term quote and determine which carrier you wish to go through, or you can just complete a Swift Ticket™ and have us do everything for you! Don't forget to sign in first to gain access! Not registered for our site yet? You can self register in the upper right corner of this screen.

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....

Welcome to Upstate!

From time to time, in this ever changing industry, we must consider adopting new business models, forging new relationships, and devising new plans for business development.

If you have been thinking of making some of these kinds of changes, there is no better time to start than right now; however, an effective due diligence process is necessary if you are considering changes of this magnitude. When choosing partners in business, confidence and integrity are paramount.

Together let's discuss your individualized needs, and determine whether our organization would be a good fit for your business. Give me a call at +1 (585) 273-8530 (toll-free +1 (800) 828-4415) ext. 3001, or send me an email at andyk@e-upstate.net.

Founder and President, Andrew J. Kalinowski

Our History

Andrew Kalinowski, founder and President of Upstate Special Risk Services, entered the insurance industry in 1969 first as a producer and then as a home office representative and general agent. Determining that the future of our business would be to serve the independent producer and institutional account, he created Upstate in 1974.

Since that time, Andy and his team have been at the leading edge of brokerage services always looking for ways to improve the products and services that we make available to our business partners. In 1982, seeing that adding a securities business would enhance our ability to serve the community, he co-founded LifeMark Securities Corp as a national, full service broker dealer. Recently, we added an RIA and fee based financial planning program to our suite of services.

Today, we are able to meet the challenges of our industry and support the varying business models that exist today. Andy is always available to discuss your business goals and you can reach him by e-mail or by phone at +1 (800) 828-4415 ext. 3001. We look forward to serving you.

Consider Our Value Proposition

Our sister Broker Dealer,
LifeMark Securities

You are aware of our Insurance brokerage resources. Now, explore our integrated financial services platform expanding our insurance based business model to include our sister Broker Dealer, Corporate RIA and fee based financial planning organization.

This structure allows you to expand yet consolidate your business. It's simply a better way of giving you access to multiple platforms to serve the needs of your clients with efficiency and access to traditional advisory and financial planning solutions.

Want to know more? E-mail Andy Kalinowski or call him at +1 (800) 828-4415 ext. 3001 for a confidential consultation and take your business to the next level.

More Information