INSURANCE

We offer Term Life, Permanent such as Whole Life and Universal Life, Long-Term Care and Disability Insurance products.

• Term Life Insurance: Written for a specific period of time, typically 5, 10, 15 and 20 years, term life is relatively inexpensive. We offer two types of term life insurance, level term and decreasing term. Level term holds the coverage constant while decreasing term is useful when a large amount of coverage needed early on diminishes over time.

• Permanent Insurance: Permanent insurance is available in many forms (Whole Life, Universal Life, Variable Life, etc.). It has a cash value buildup in addition to a death benefit and thus serves two purposes, savings and basic life protection.

• Long-Term Care Insurance: Planning for the potential need for long-term care, whether at home or in a facility such as a nursing home, has increasingly focused on long-term care insurance as a means of protecting family assets and relieving family burdens. Our in-house specialist can explain options and access a variety of policies from a number of carriers to best suit your needs, including policies eligible under the New York State Partnership Plan.

• Disability Insurance: Disability income insurance provides replacement income when wages or other forms of income such as professional fees are lost due to a disability. It provides the insured with a guaranteed flow of periodic payments while the individual is disabled.

INSURANCE AND INVESTMENT PRODUCTS:

Insurance products offered are through Capital Financial Group, Inc. (South Glens Falls, N.Y.).
Capital Financial Group, Inc. is a nonbank operating subsidiary of an affiliated company under corporate ownership and control and is licensed to sell insurance in New York State
and act as an agent for issuing insurers.
Insurance policies are obligations of the insurers that issue the policies.

Securities (including mutual funds and annuities) are offered through UVEST Financial Services (Member FINRA and SIPC), Four Broad Street Plaza, Glens Falls, NY 12801. UVest and Saratoga National Bank and Trust Company are independent entities.