ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency or broker. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. No agent listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Compare life insurance agents in Oswego. Review contact information and insurance categorys before you decide.
16 agents listed
Updated May 2026
Oswego, NY
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of New York before hiring.
Showing 16 life insurance agents in Oswego, NY
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Ray Haynes Jr - State Farm Insurance Agent
142 W Utica St, Oswego, NY 13126
(315) 343-3276
rayhaynesoswegoins.com
OVIA Insurance Agencies
166 W 1st St, Oswego, NY 13126
(315) 343-6310
Phillip Tyler: Allstate Insurance
27 Gregory St, Oswego, NY 13126
(315) 343-1262
agents.allstate.com
Christopher Nelson - State Farm Insurance Agent
209 W 7th St, Oswego, NY 13126
(315) 342-3639
chrisnelsoninsurance.net
FitzGibbons Agency
44 E Bridge St #1, Oswego, NY 13126
(315) 342-5000
askfitz.com
Horan Companies - The Insurance Place
11 4th Ave suite h, Oswego, NY 13126
(315) 343-6343
horaninsured.com
The Gioia Insurance Agency
112 E Bridge St, Oswego, NY 13126
(315) 293-3333
agents.farmers.com
Oswego Valley Insurance Agency
166 W 1st St, Oswego, NY 13126
(315) 343-6310
progressiveagent.com
Zurich
100 W 5th St, Oswego, NY 13126
(315) 342-1875
zurich.com
Naioti Financial Services
28 W Bridge St, Oswego, NY 13126
(813) 603-6913
naiotifinancialservice.com
Allstate Personal Financial Representative: Dennis Murphy
27 Gregory St, Oswego, NY 13126
(315) 209-2838
agents.allstate.com
Northwestern Mutual
218 W 8th St, Oswego, NY 13126
(315) 343-2323
oswego.nm.com
Oswego Health First
190 5th Ave, Oswego, NY 13126
(914) 704-3598
Allstate Personal Financial Representative: Lester Kelsey
27 Gregory St, Oswego, NY 13126
(315) 343-1262
agents.allstate.com
Phil Tyler Insurance Agency
NY 104, Oswego, NY 13126
(315) 343-3029
agents.allstate.com
Kurt Ferris - Prudential Financial
154 W Bridge St, Oswego, NY 13126
(315) 216-6986
Life insurance agents in Oswego, New York help residents find coverage that fits their needs and budget. New York state law requires all life insurance agents to hold a valid license from the New York State Department of Financial Services. Local agents can guide you through term life, whole life, and universal life policies available in Oswego County.
What Does a Life Insurance Agent in Oswego Cost?
In New York, life insurance premiums vary by age, health, and policy type. A healthy 35-year-old in Oswego might pay between 25 and 50 dollars per month for a 20-year term policy with 250,000 dollars in coverage. Whole life policies typically cost more, often starting at 100 dollars per month. Costs also depend on the insurers underwriting guidelines. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What license does a life insurance agent need in New York?
In New York, life insurance agents must hold a valid life insurance license issued by the New York State Department of Financial Services. Agents must complete pre-licensing education and pass a state exam. They must also renew their license every two years.
How long do I have to file a life insurance claim in New York?
New York law does not set a specific deadline for filing a life insurance claim, but most policies require prompt notification. Beneficiaries should file as soon as possible after the insureds death. Delays can slow the payout process.
Are life insurance benefits taxable in New York?
Life insurance death benefits are generally not subject to federal or New York state income tax. However, if the policy earns interest or is part of an estate, tax rules may apply. Consult a tax professional for your specific situation.
Free • No Obligation
Compare Life Insurance Agents
Get matched with agents in Oswego who handle your type of coverage.
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party insurance marketing service. BeforeInsuranceUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any agent. Your information is collected and handled by the form provider according to their privacy policy.
Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of New York.