We Make Medicare Easy
Shopping Medicare plans and maximizing your benefits can be stressful. Get your Medicare done with OB1. We have 30 + years of experience of helping people just like you navigate Medicare.
Learn About OB1 Insurance
OB1 Insurance began in 2009 with a focus on putting people first through personalized insurance solutions. Years later and with 5,000+ clients along the way, we are still dedicated to the one-on-one, face-to-face approach to insurance. If you need help, we have two Upstate New York offices and an experienced team that’s here for you.
We are proud to be an independent insurance agency. It’s what allows us to be your guide through the complex insurance process. Because making your life and your insurance easier is what we’re all about. As your trusted, licensed insurance agency, we can help you find Medicare plans that work for you. We also go above and beyond with other lines of insurance as well. And as our client, you’ll have continued guidance and support now and in the future.
Featured On Local News
We’ve been featured on many local news stations and newspapers.
Focused on Helping You Find Coverage
OB1 Insurance focuses on helping people like you find Medicare plans that fit your situation. We also offer personal insurance for you and your family, as well as business insurance to protect your local business.
We work with top insurance companies to offer you the coverage, rates, and service you deserve.
Featured Companies
Providing for Your Family
Risk Factor
Raising a child can be a rewarding life experience, but it is also very expensive. It costs hundreds of thousands of dollars to raise a child to age 18, with college tuition, fees, room, and board resulting in another potentially enormous expense. If you were to die tomorrow, would funds be available to provide for food, clothing, day care, and educational expenses for your child?
Solution
Having life insurance could secure the future for your children if you have an untimely death. With a life insurance policy, there could be enough income to help pay for everything your child might need while growing up.
Mortgage Payments
Risk Factor
After your death, any outstanding debt and financial obligations do not disappear. Your home is probably the costliest and most significant property you own. A mortgage payment is a large burden for a spouse or partner to carry.
Solution
A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on the home.
Auto Payments
Risk Factor
Many families lease or finance their automobiles these days. If the primary earner in the family were to die, the family could be left with outstanding car payments for years to come.
Solution
A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on your car(s).
Funeral Costs
Risk Factor
An average funeral can cost tens of thousands of dollars, and that's without unnecessary options or luxurious services. A death in the family is stressful enough; why add the hefty bill of a funeral to that stress?
Solution
A life insurance policy can easily cover the cost of a funeral. Your family will be able to think of you and have peace of mind without being burdened by funeral costs.
Protecting Your Retirement Savings
Risk Factor
Once you retire, you will be living off social security, and if you are lucky to have them, a pension or retirement fund, too. But what if the surviving spouse has been relying on you to fund retirement for the couple? Premature death of an earner can affect sources of retirement benefits such as Social Security.
Solution
Life insurance can help support a surviving spouse during their retirement.
Protecting Your Small Business
Risk Factor
If you passed away, would your business suffer? There are many complications and financial issues that can arise due to the death of a business owner. Many people overlook this predicament.
Solution
A life insurance policy can keep a business moving along even during tough times, such as the loss of the business owner/partner. Key person life insurance is payable to the company and provides money for training and hiring of a new employee. A buy-sell agreement, funded by life insurance, allows the other partners in the business to buy the deceased’s share of the business, which will provide money for his or her family.
Spousal Support / Income Replacement
Risk Factor
Many people mistakenly think that they don’t need life insurance if they don’t have children or if their children are grown. However, your financial responsibilities fall to your family when you are gone.
Solution
Life insurance can replace the income you would usually bring in and help support your spouse or adult children, ensuring your loved ones are able to maintain the lifestyle they're accustomed to.
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Manage Your Policies
As a client of OB1 Insurance, you’ll have continued guidance and support now and in the future. Visit our Service Center to make requests and manage your insurance.
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Insuring Upstate New York and Beyond
OB1 Insurance has two offices in Upstate New York, including Mayfield, NY, and Clifton Park, NY. We are proud to provide Medicare and insurance solutions to clients locally in the greater Capital Region and beyond. Let us help you today!
The Independant Advantage
What makes our independent insurance agency different?
We offer a wide variety of insurance solutions.
We are there for you in your time of need.
We are by your side every step of the way.
We are licensed insurance advisors.
Let’s Get Started
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