Disability plans include:

• Long Term
• Short Term
• NYS Disability (statutory)

Life Insurance plans include:

• Term Life (including Accidental Death & Dismemberment)
• Whole Life
• Universal Life
• Variable Life

Insurance products available through wholly-owned subsidiaries of First Niagara Financial Group, Inc. The obtaining of insurance through any member of the First Niagara Financial Group will not have any bearing on any existing or future transaction or relationship with First Niagara Bank or any other member of the First Niagara Financial Group.