201 Mohawk Avenue ~ Scotia, NY 12302 ~ (518) 370-9885
insurance@fnbfinancial.com


   Specializing in:

   Life Insurance
   Fixed Annuities
   Long-Term Care Insurance
   Business Insurance

FNB FINANCIAL SERVICES

Life’s Journey offers twists and turns. Being prepared includes taking care of anticipated financial needs. 1st National Bank of Scotia, which has been serving the Capital Region since 1923, is here to help you with FNB Financial Services. FNB Financial Services was created to help our clients achieve peace of mind in four critical financial areas: Life Insurance, Fixed Annuities, Long-Term Care Insurance, and Business Insurances. By being specialists in these critical areas, we are able to offer exceptional service and the quality advice that you deserve.


LIFE INSURANCE


Your family is precious to you. Their financial security may depend on the choices you make today. Take a few moments to fill out our Family Life Insurance Needs Analysis HERE.

You can see for yourself why life insurance is so important!

Do you need to make changes to protect your family’s future?

For a personalized professional analysis contact one of our
    helpful representatives.


FIXED ANNUITIES

FNB Financial Services offers you the choices you expect with the financial protection you need. A retirement plan is an important component of your financial journey. FNB Financial Services uses highly rated carriers through whom you can gain the satisfaction of a 100% guarantee on your principal with a Fixed Annuity.

Whether you are interested in steady growth, a guaranteed rate, or a specific length of time for your annuity, FNB Financial Services offers 12 highly-rated carriers, each rated A or better.

If you are seeking alternatives to certificates of deposit, short-term bond mutual funds, or a savings account, a tax-deferred annuity may be the answer. We will talk with you about various Income Options, from Cost of Living Adjustments (COLAs) to joint life and survivor alternatives. At FNB Financial Services, you’ll have a variety of annuities from which to choose.


LONG-TERM CARE

You know there are no guarantees for staying healthy. However, you shouldn’t have to risk everything you have worked so hard to get to pay for long term care. Long Term Care insurance can ensure that your assets are protected if you should need in home care or a professional nursing facility. When you meet with our representative, we will discuss the available coverage, the different protection and reimbursement options, and the adaptability that the different policies provide. Long term care protects you and your loved one’s “nest egg” along life’s journey.


BUSINESS INSURANCE

1st National Bank of Scotia is proud to offer a variety of insurance tools for your business. Our knowledgeable representatives can tell you more about the following services, as well as other opportunities available to your business.

        Life Insurance
        Buy – Sell Agreements
        Key Man Insurance
        Accident & Health
        Business Liability Annuities

CONTACT US TODAY TO SEE HOW `WE CAN HELP ENSURE FINANCIAL

STABILITY FOR YOU, YOUR FAMILY AND YOUR BUSINESS!


FNB Financial Services is a wholly owned financial subsidiary of the First National Bank of Scotia. Products offered through FNB Financial Services are:

       NOT FDIC INSURED OR INSURED BY ANY OTHER FEDERAL GOVERNMENT AGENCY
       NOT DEPOSITS OR OTHER OBLIGATIONS OF THE BANK
       NOT GUARANTEED BY THE BANK OR ITS AFFILIATES
       SUBJECT TO RISKS INCLUDING THE POSSIBLE LOSS OF PRINCIPAL


First National Bank of Scotia
Is not a licensed Insurance Agency



201 Mohawk Avenue ~ Scotia, New York 12302 ~ (518) 370-9885

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