Mortgage and Life Insurance

Insurance Representatives

David Mangano
716.562.3261

Kathy Cheng
716.430.3826

Michael Silkowski
716.238.6830

Claire Campbell
815.616.0968

Sarah Vail
Hamburg, 716.649.4900

Doug Evanovich
West Seneca, 716.674.4280

Kelly Burns
Tonawanda, 716.504.1500

Laura Faust
Evans, 716.549.1114

Rose May
Evans, 716.549.1114

Rene Rebmann
Clarence, 716.639.2000

Brighid Simonds
Irondequoit, 585.266.4100

Christopher Guck
Lancaster, 716.681.0400

Level Term

Temporary insurance to cover set amount for set period of time. Most common for mortgages, and to obtain large amounts at lowest possible premium. Periods between 10-30 years are available starting at $50,000. No cash value.

Return of Premium Term

Term insurance hybrid. Portion of premiums returned if death does not occur, and policy kept for certain numbers of years. Full return of premium if death does not occur, and kept for full level period. Periods between 15-30 years. $100,000 minimum benefit.

Universal Life

Permanent insurance. Policy performance determined by interest rates. Premiums can be adjusted. $25,000 minimum benefit. Potential for cash value accumulation, which can be accessed by withdrawal or loan.

Whole Life

Permanent insurance. Policy performance determined by dividends. Several dividend options available. Set premiums. $10,000 minimum benefit. Cash value can be accessed by loan.

Disability Income Replacement

Policy replaces portion of income in the event of disability. Claim must be approved by company, whereby monthly benefit is paid after set waiting period, until client is able to return to work or reaches end of benefit period selected.

Long Term Care

Policy provides benefit in the event of long term care needs, including in-home care, assisted living and nursing home care. Claim must be approved by company, whereby monthly benefit is paid after set waiting period as long as client qualifies for care, or until end of benefit period. NY Partnership plan available.