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Find Life Insurance Agents Near You in Oswego, NY

Browse life insurance agents serving Oswego, New York. Updated 2026-07-14.

The top-rated life insurance agent in Oswego, New York is Ray Haynes Jr - State Farm Insurance Agent, rated 4.9 stars across 114 reviews. Other highly rated options include Canale Insurance & Accounting, OVIA Insurance Agencies, Christopher Nelson - State Farm Insurance Agent. This directory lists 17 life insurance agents serving Oswego.

Showing 17 life insurance agents in Oswego, NYListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Ray Haynes Jr - State Farm Insurance Agent142 W Utica St(315) 343-3276
2Canale Insurance & Accounting234 East Albany Street 201 S Second Street, Fulton, NY 13069, 234 E Albany St(315) 343-4456
3OVIA Insurance Agencies166 W 1st St(315) 343-6310
4Christopher Nelson - State Farm Insurance Agent209 W 7th St(315) 342-3639
5Phillip Tyler: Allstate Insurance27 Gregory St(315) 343-1262
6FitzGibbons Agency44 E Bridge St #1(315) 342-5000
7Horan Companies - The Insurance Place11 4th Ave suite h(315) 343-6343
8Oswego Valley Insurance Agency166 W 1st St(315) 343-6310
9The Gioia Insurance Agency112 E Bridge St(315) 293-3333
10Zurich100 W 5th St(315) 342-1875
RH
142 W Utica St
Ray Haynes Jr - State Farm Insurance Agent
Life Insurance Agent · Oswego, NY

Ray Haynes Jr - State Farm Insurance Agent serves the Oswego, New York area as a life insurance agent. The agency assists clients with financial protection planning and risk management. It offers guidance on policy selection tailored to individual family needs. The provider holds appointments with clients to review coverage gaps. Specific services it handles in this region include term life policies and whole life insurance programs.

CI
234 East Albany Street 201 S Second Street, Fulton, NY 13069, 234 E Albany St
Canale Insurance & Accounting
Life Insurance Agent · Oswego, NY
OI
166 W 1st St
OVIA Insurance Agencies
Life Insurance Agent · Oswego, NY

OVIA Insurance Agencies serves homeowners, businesses, and property managers in Oswego, New York, who need life insurance coverage. The firm assists clients in assessing their financial protection needs and selecting appropriate policy options. It provides guidance on term and whole life plans that can help secure beneficiaries’ futures and cover final expenses. This agency supports local residents and commercial clients throughout the Oswego area. It also extends its services to neighboring Fulton, offering life insurance assistance to that community as well.

CN
209 W 7th St
Christopher Nelson - State Farm Insurance Agent
Life Insurance Agent · Oswego, NY

For those seeking financial security for loved ones, the choice often lies between a term policy for temporary needs and a permanent plan for lifelong protection. Christopher Nelson - State Farm Insurance Agent in Oswego, NY, provides guidance on policies that cover funeral expenses and income replacement. This agency helps clients evaluate these recurring commitment options for family stability. Consultations and policy adjustments are available on an as-needed basis to accommodate changing life circumstances.

PT
27 Gregory St
Phillip Tyler: Allstate Insurance
Life Insurance Agent · Oswego, NY

Serving Oswego, New York, and the surrounding communities, Phillip Tyler: Allstate Insurance provides life insurance agent services for local residents. The office handles life insurance policies designed to help protect families financially after a loss. Each client’s unique situation is reviewed carefully to match appropriate coverage options. The general approach it uses for a typical job involves discussing the client’s long-term needs and then presenting suitable policy choices that fit within their financial plan.

FA
44 E Bridge St #1
FitzGibbons Agency
Life Insurance Agent · Oswego, NY

Specializing in term, whole, and universal life insurance plans, FitzGibbons Agency serves individuals and families in and around Oswego, New York. Its general services include policy review, beneficiary updates, and needs assessments to tailor coverage for clients at every stage of life. The agency helps residents address the specific financial hesitation that often accompanies planning for a child's college education or securing mortgage protection. During the back-to-school season, it assists parents in evaluating how a new life insurance policy can safeguard their family’s future savings goals.

HC
11 4th Ave suite h
Horan Companies - The Insurance Place
Life Insurance Agent · Oswego, NY

As the seasons change in Oswego, families begin reviewing their financial plans, a time when sound life insurance guidance becomes essential. Horan Companies - The Insurance Place assists local residents in navigating options to help secure their households against unexpected events. Serving the greater Oswego area, this agency works with clients from initial need identification to plan selection within the life insurance category. All client conversations begin with a free, no-obligation assessment of individual coverage requirements during an introductory consultation.

OV
166 W 1st St
Oswego Valley Insurance Agency
Life Insurance Agent · Oswego, NY

Oswego Valley Insurance Agency serves residential clients in Oswego, NY, assisting them with life insurance policies to help protect their families. Commercial coverage is also available for local business owners seeking similar financial security. The agency handles applications, policy reviews, and beneficiary updates throughout the Oswego area. Regular follow-up is provided after each policy is issued, including annual check-ins to adjust coverage as life circumstances change, ensuring continuity of service between annual visits.

GI
112 E Bridge St
The Gioia Insurance Agency
Life Insurance Agent · Oswego, NY

The Gioia Insurance Agency provides life insurance coverage to individuals and families throughout the Oswego, New York area. Its work focuses on helping clients protect their financial futures through policy options that address income replacement and final expenses. The agency also specializes in tailoring life insurance for specific business needs, ensuring continuity for commercial operations. For offices, warehouses, and food service establishments, it can deliver customized plans that safeguard against the financial disruption caused by the loss of a key person or owner.

ZU
100 W 5th St
Zurich
Life Insurance Agent · Oswego, NY

Zurich, located in Oswego, NY, is known for offering professional life insurance agent services to local residents and businesses. Its representatives assist clients in evaluating various policy types to match individual financial goals and family protection needs. The agency provides guidance through the application process and helps customers understand policy terms and coverage options. As an added service, Zurich can also help clients explore living benefits riders that allow access to policy funds for critical or chronic illness expenses.

NF
28 W Bridge St
Naioti Financial Services
Life Insurance Agent · Oswego, NY
(813) 603-6913
naiotifinancialservice.com
AP
27 Gregory St
Allstate Personal Financial Representative: Dennis Murphy
Life Insurance Agent · Oswego, NY
(315) 209-2838
agents.allstate.com/dennis-murphy-oswego-ny.html
NM
218 W 8th St
Northwestern Mutual
Life Insurance Agent · Oswego, NY
(315) 343-2323
oswego.nm.com
OH
190 5th Ave
Oswego Health First
Life Insurance Agent · Oswego, NY
(914) 704-3598
AP
27 Gregory St
Allstate Personal Financial Representative: Lester Kelsey
Life Insurance Agent · Oswego, NY
(315) 343-1262
agents.allstate.com/lester-kelsey-oswego-ny.html
PT
NY 104
Phil Tyler Insurance Agency
Life Insurance Agent · Oswego, NY
(315) 343-3029
agents.allstate.com/phillip-tyler-oswego-ny.html
KF
154 W Bridge St
Kurt Ferris - Prudential Financial
Life Insurance Agent · Oswego, NY
(315) 216-6986

What Does a 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.

About life insurance agents in Oswego

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.

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.

Life Insurance Agents in Other New York Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each life insurance agent's credentials and current standing with your state Department of Insurance.