Frequently Asked Questions (FAQs)

Personal Insurance FAQs

Click here for answers to the most commonly asked questions about our Personal Insurance services

Business Insurance FAQs

Click here for answers to the most commonly asked questions about our Business Insurance services

Group Health and Employee Benefits FAQs

Click here for answers to the most commonly asked questions about our Group Health and Employee Benefits services

Switching Insurance Companies

Click here for answers and advice on how to switch insurance companies

Bundling Insurance Policies

Click here to learn how you can save time and money by bundling your insurance policies

Understanding Insurance Terms

Click here for a complete listing of insurance terms

INSURANCE AND INVESTMENT PRODUCTS:

Not a deposit, Not FDIC Insured
Not Insured by Any Federal Government Agency
Not Guaranteed by the Bank
May Go Down in Value

Insurance products are offered through Upstate Agency, LLC (South Glens Falls, NY). This agency is a non-bank subsidiary of the Arrow Financial Corporation Family of Companies and is licensed to sell insurance in New York State and act as an agent for issuing insurers. Insurance policies are obligations of the insurers that issue the policies.

© 2025 Upstate Agency, LLC