Services

We offer free no obligation appointments for insurance information or a review. You can either call and make an appointment at the office or we can have one of our experienced NYS licensed agents meet with you in the comfort of your own home or nearby coffee shop. Our agents have no problem traveling to see you, even if you live far away. We service clients all over upstate NY and the greater Capital Region.

Our Policy Offerings

Medicare Advantage

We offer Medicare Advantage Plans, Medicare Supplements, and Part D plans. For more info on these, visit our Medicare Page

Visit Medicare Page

H & L Insurance Agency, Inc medicare
H & L Insurance Agency, Inc. prescription insurance

Critical Illness

There are costs associated with illnesses such as cancer, heart attack, and strokes that your health insurance may not cover, as well as other costs involved with treatment such as hotels, gas, etc. There’s insurance to help with those out of pocket expenses. We’ll explain how these policies work and if they are right for you.

H & L Insurance Agency, Inc. life insurance

Life Insurance

Life Insurance is something we all need. We’ll give you a life insurance quote tailored to your needs as well as review your current life insurance if you have any. Whether you have a family to protect with a bigger term policy to cover living expenses or a smaller whole life policy to cover final expenses, we can handle it. We even offer life insurance for your children or grandchildren for a very low premium.

H & L Insurance Agency, Inc. property insurance

Property Insurance

We know there are certain things you can’t control- like the weather. Property insurance is designed to cover any property losses like your home and car from any destruction from the elements like fire, floods, earthquakes, and windstorms.

H & L Insurance Agency, Inc. casualty insurance

Casualty Insurance

Casualty insurance is what provides relief for any accidental damage to another person or their physical property. It protects the insured from having to pay out of their own pocket for any damage to someone else or their property. It’s a precautionary investment to make because we all know, things happen!

To learn more about our coverage policies contact us or give us a call at 518-661-6300