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

Sunday, April 12, 2015 - New Director of Business Development
We are pleased to announce that Matt Grzibowski has joined us as our new Director of Business Development. Matt is a seasoned professional who has worked in our industry for some time now and brings a wealth of experience to our organization. You will be seeing a lot of Matt and his work, and should definitely reach out to him on your next case. You can contact him at or 585-273-8530 ext. 3007. Welcome Matt!
Sunday, April 12, 2015 - Guaranteed UL Options
Now that William Penn and Banner have pulled their competitively priced guaranteed UL, you may be wondering what is available. We still have several carriers that offer guaranteed UL, along with some current assumption ULs that have long guarantees. In our low interest environment, along with appropriate interest crediting rates when illustrating, give a nice alternative to the guaranteed products with the added advantage of cash value.
Sunday, April 12, 2015 - Consider Whole Life
Speaking of cash value, nothing beats whole life when looking to build cash value. Whole life can be used in many scenarios and is often used to create an income stream in retirement. If you have a client who is already maxing out his retirement plans and is looking to put aside more, whole life is a great option. We now offer multiple carriers that have whole life and some great solutions that we would love to share with you. Contact us at 585-273-8530 ext. 3007.

  • 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