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.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Ray Haynes Jr - State Farm Insurance Agent | 142 W Utica St | (315) 343-3276 |
| 2 | Canale Insurance & Accounting | 234 East Albany Street 201 S Second Street, Fulton, NY 13069, 234 E Albany St | (315) 343-4456 |
| 3 | OVIA Insurance Agencies | 166 W 1st St | (315) 343-6310 |
| 4 | Christopher Nelson - State Farm Insurance Agent | 209 W 7th St | (315) 342-3639 |
| 5 | Phillip Tyler: Allstate Insurance | 27 Gregory St | (315) 343-1262 |
| 6 | FitzGibbons Agency | 44 E Bridge St #1 | (315) 342-5000 |
| 7 | Horan Companies - The Insurance Place | 11 4th Ave suite h | (315) 343-6343 |
| 8 | Oswego Valley Insurance Agency | 166 W 1st St | (315) 343-6310 |
| 9 | The Gioia Insurance Agency | 112 E Bridge St | (315) 293-3333 |
| 10 | Zurich | 100 W 5th St | (315) 342-1875 |
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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