Mortgage and Life Insurance
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.
Insurance Representatives
David Mangano
716.562.3261
Kathy Cheng
716.430.3826
Michael Silkowski
716.238.6830
Sarah Smith
Hamburg, 716.649.4900
Carrie Hewitt
North Boston, 716.649.7910
Deb Welch
Hamburg, 716.649.4900
Doug Evanovich
West Seneca, 716.674.4280
Kelly Burns
Tonawanda, 716.504.1500
Kim Fix
Tonawanda, 716.504.1500
Janet Young
Perinton, 585.223.2200
Mark Tillmans
Lancaster, 716.681.0400
Laura Faust
Derby, 716.947.4331
Mary Jo Wood
Hamburg, 716.649.4900
Rose May
Derby, 716.947.4331
Michael Metz
Lancaster, 716.681.0400
Rene Rebmann
Clarence, 716.639.2000
Brighid Simonds
Irondequoit, 585.266.4100
Lucy Garcia-Ester
Downtown Buffalo, 716.314.0468
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.
Cancer | Accident | Specified Disease
Coverage for these incidences available with Aflac.
| Not FDIC Insured | No Bank Guarantee | May Lose Value |
| Not A Deposit | Not Insured By Any Federal Government Agency |
Have Questions?
Contact one of our conveniently located Insurance offices for your mortgage insurance needs or one of our Branch Locations for your life insurance needs.
Call 716.549.2000 for more information on any of our insurance products and services, or to set up an appointment to discuss your own unique situation.