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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