Insurance for Those Who Depend on You
Protect those who matter most with life and long-term care insurance from BSNB. Our trusted advisors help you find coverage that fits your life, not just a policy.
life insurance
Protect Your Family’s Financial Future
If your income supports your family, life insurance helps make sure that support doesn’t disappear if the unexpected happens. Your BSNB advisor will help you find coverage that fits your life and your budget.*
- Replace lost income to secure your family’s finances.
- Cover living expenses or pay off debt you leave behind.
- Choose between term or whole life policies.
- Adjust your coverage as your life changes.
LONG-TERM care insurance
Plan Ahead For Long-Term Care
When an unexpected illness comes, long-term care costs can add up fast. Planning now means you have options later, without draining the savings you’ve worked to build.*
- Cover costs that other insurance options may deny.
- Support care at home, from family caregivers or nursing staff.
- Protect your savings from unexpected long-term care expenses.
- Get guidance on how coverage fits your other financial goals.
We Are Here to Help.
Have a question about accounts, loans, digital banking, or the right next step?
Our team is ready to help you get where you need to go.
Meet Our Financial Team
Stephan Scribner, CFP®
Osaic Institutions Financial Advisor*
BSNB Financial Services
990 State Route 67
Ballston Spa, NY 12020
Cameron Bleibtrey
Osaic Institutions Financial Advisor*
BSNB Financial Services
990 State Route 67
Ballston Spa, NY 12020
Michael Ciarlo
Osaic Institutions Financial Advisor*
BSNB Financial Services
990 State Route 67
Ballston Spa, NY 12020
Frequently Asked Questions
Long-term care insurance – sometimes called nursing care or elder care insurance – protects you from the risk that long-term care costs more than you can afford. You make premium payments, and in exchange, your insurer helps cover future long-term care expenses, whether that’s skilled care from health care professionals or support from home health workers, nurses’ aides, and family caregivers. An Osaic Financial Advisor can help you determine what types of insurance are right for you.
Term life insurance covers you for a fixed period at a lower initial cost with no cash value, while whole life insurance costs more up front but builds tax-deferred cash value you may be able to borrow against. An Osaic Financial Advisor can help you determine what types of insurance are right for you.
Not always. Long-term care insurance is designed to help cover expenses that health insurance, Medicare, or Medicaid may not, so you’re not paying entirely out of pocket.
Yes. Osaic Financial Advisors are based in Ballston Spa and Albany, serving families throughout Saratoga County, Albany County, and the Capital Region.
Mortgages
Buying, building, or refinancing in Saratoga County or the greater Capital Region? BSNB offers mortgage options backed by local underwriting, competitive rates, and people who know your local neighborhoods.
- Conventional mortgages, refinance, and construction loans.
- Local underwriting with faster, local decisions.
- Competitive rates with personal support and attention.
Go Further With BSNB
Explore products and services that support you in every stage of life.
*Investment and insurance products and services are offered through OSAIC INSTITUTIONS, INC. Member FINRA/SIPC.BSNB Financial Services is a trade name of Ballston Spa National Bank. OSAIC INSTITUTIONS, INC. and Ballston Spa National Bank are not affiliated. Products and services made available through OSAIC INSTITUTIONS, INC. are not insured by the FDIC or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including the possible loss of value.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, Certified Financial PlannerTM and CFP® in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
