For Disability Income Protection, the firm must consider how long it can continue to pay a key person's salary if that person becomes disabled and is no longer able to contribute to the bottom line. Life Insurance can be an invaluable asset to the employee's family should an unexpected death occur.

Insurance products are not deposits, are not insured by the FDIC or any Federal government agency and are not obligations of or guaranteed by First Niagara Bank or any other member of the First Niagara Financial Group. 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. Members of the First Niagara Financial Group do not offer tax advice. Please consult a tax advisor.