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Ray Togias

Managing Director - Insurance Agent, Bankers Conseco Life Insurance Company
Agency Director - Insurance Agent
Direct Phone:
(315) 802-5621(315) 802-5621
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Ray TogiasAgency Director - Insurance Agent, Syracuse, NY

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Meet Ray Togias
Personal Business Philosophy
Helping my clients protect their financial security as they plan for retirement is important to me. I recognize that my clients' needs and priorities change over time, and I am dedicated to being there to serve them with integrity every step of the way.
licensed in
NY
professional background
Joined Bankers Life in 2014Began work in the Insurance Industry in 1975Education: 2014
personal background
Family: Married with 3 loving kids

Ray Togias, Bankers Life Agent in Syracuse, NY

Closed - Opens at 8:30 AM Monday
Contact Me
Office Phone:
(315) 431-2980(315) 431-2980
Direct Phone:
(315) 802-5621(315) 802-5621
Cell Phone:
(315) 391-1629(315) 391-1629
ray.togias@bankerslife.com
Branch Info
251 Salina Mdws Pkwy
Ste 130
Syracuse, NY 13212
US
Hours
Day of the WeekHours
Friday8:30 AM - 4:30 PM
SaturdayClosed
SundayClosed
Monday8:30 AM - 4:30 PM
Tuesday8:30 AM - 4:30 PM
Wednesday8:30 AM - 4:30 PM
Thursday8:30 AM - 4:30 PM

Products & Services Offered in Syracuse, NY

  • Life Insurance

    Find out how life insurance can help protect the financial security of you and your family.
    Explore
  • Medicare Supplement Insurance

    Learn how Medicare supplement insurance can help cover out-of-pocket costs that Medicare may not cover.
    Explore
  • Long-term Care Insurance

    Find out how long-term care insurance can help provide financial security in the event of an unexpected long-term illness.
    Explore
  • Annuities

    Learn how an annuity can help protect and grow your retirement savings.
    Explore

Financial Calculators & Tools

Our calculators are here to help support your retirement and insurance planning needs so you can make confident and informed decisions.
Retirement Calculators
Insurance Calculators
  • How Long Will My Retirement Savings Last?

    Determine how long your retirement savings may last considering your monthly spending, sources of income, inflation and more.
  • Estimate Social Security Benefits

    Estimate your future Social Security benefits based on your income history and expected retirement age.
  • Traditional 401(k) or Roth 401(k)?

    How do traditional 401(k) and Roth 401(k) contributions differ, and which option best suits your financial needs?
  • Retirement Income Estimator

    Input your current savings and income sources to estimate your future retirement income and assess if you’re on track to meet your goals.
For information and educational purposes only. Does not constitute investment advice or a recommendation.

Forget Me Not Days

At Bankers Life, our insurance agents and associates witness firsthand the impact that Alzheimer’s and dementia have on our customers, their families and their caregivers. That’s why we established Bankers Life Forget Me Not Days®, our nationwide fundraising campaign to benefit the Alzheimer’s Association®. This June marks the 23rd anniversary of the campaign. Since 2003, we’ve helped raise more than $7.8 million for the Alzheimer’s Association through the Forget Me Not Days campaign and corporate donations.

Explore Medicare Advantage

You have many choices when it comes to Medicare – Let us help you compare Medicare Advantage plans to find the right coverage for you. Medicare Advantage (Part C) is an all-in-one alternative to Original Medicare Parts A and B.


Let's Talk About Your Plans for Long-Term Care!

As people live longer and health care expenses continue to rise, the need for long-term care becomes more of a "when" than an "if" situation. That's why it's so important to be prepared and have discussions with your loved ones. Ready to start planning your next steps?

Reviews

Customer Reviews for Syracuse, NY

4.9
Rating 4.8full star ratingfull star ratingfull star ratingfull star ratingfull star rating
(134 Reviews)
  • Leslie C
    July 7, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    I was leaving but Brynner came and made things Right I am so grateful he is my agent.he went way beyond for me
    I was leaving but Brynner came and made things Right I am so grateful he is my agent.he went way beyond for me
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  • Richard M
    July 1, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Russ provides fantastic customer service. He goes above and beyond for my wife and me. We see Russ taking an interest in our accounts and personally as well. I highly recommend Russ White as a financial manager.
    Russ provides fantastic customer service. He goes above and beyond for my wife and me. We see Russ taking an interest in our accounts and personally as well. I highly recommend Russ White as a financial manager.
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  • Marie W
    July 1, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    I just want to say that shawn was very helpful and very kind and talked to me about everything I was getting I was very pleased with everything he gave me it was so nice to talk and work with him look forward to working with him in the future thank u so much
    I just want to say that shawn was very helpful and very kind and talked to me about everything I was getting I was very pleased with everything he gave me it was so nice to talk and work with him look forward to working with him in the future thank u so much
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  • Amy K
    June 25, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    We met Russ when my mom passed away as she had a life insurance policy. He came to the house and was professional, knowledgeable and so nice.

    When speaking with him we found out he also did financial planning. He sat with us and explained what products would fit us best for retirement. We can't say enough about how happy we are that we met him!

    We highly recommend using Russ to help plan your retirement!

    Jeoff & Amy Kelly
    We met Russ when my mom passed away as she had a life insurance policy. He came to the house and was professional, knowledgeable and so nice.

    When speaking with him we found out he also did financial planning. He sat with us and explained what products would fit us best for retirement. We can't say enough about how happy we are that we met him!

    We highly recommend using Russ to help plan your retirement!

    Jeoff & Amy Kelly
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  • Amy M
    June 20, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Russell was extremely professional, experienced, expedient, friendly, personable, trustworthy and helpful. I highly recommend his services to anyone needing a financial advisor.
    Russell was extremely professional, experienced, expedient, friendly, personable, trustworthy and helpful. I highly recommend his services to anyone needing a financial advisor.
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  • Mike G
    June 15, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Shawn is incredible and provided an amazing experience. Our family is so grateful for the guidance and expertise he brought when we planned for life insurance & investments
    Shawn is incredible and provided an amazing experience. Our family is so grateful for the guidance and expertise he brought when we planned for life insurance & investments
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  • Linda L
    June 13, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    A great service things were explain to me so that we were able to understand. Took the time to help me.
    A great service things were explain to me so that we were able to understand. Took the time to help me.
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  • Tammy D
    June 11, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Shawn Emmons was AMAZING! He came to our home and reviewed the possible policies that were available for my husband and I. He never made us feel pressured. We made many changes to get to the policy that was right for us. Throughout this Shawn never made me feel like I was a burden. He is very professional and knowledgeable. He answered all our questions, and we felt very comfortable moving forward with Bankers life Insurance.
    Shawn Emmons was AMAZING! He came to our home and reviewed the possible policies that were available for my husband and I. He never made us feel pressured. We made many changes to get to the policy that was right for us. Throughout this Shawn never made me feel like I was a burden. He is very professional and knowledgeable. He answered all our questions, and we felt very comfortable moving forward with Bankers life Insurance.
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  • Tanya N
    June 10, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Brynner is very knowledgeable and easily understood. He goes out of his way to make sure you have what you need, even if it means meeting at your own home. He’s a pleasure to work with.
    Brynner is very knowledgeable and easily understood. He goes out of his way to make sure you have what you need, even if it means meeting at your own home. He’s a pleasure to work with.
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  • Billie V
    June 6, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Shawn Emmons is one of the greatest ever he has always been up front with me about everything I need to know he is always willing to go all out for me take my calls every time and if he wants he gets right back to me I would recommend him to anyone and everyone who needs life inshearis he truly is the greatest and I thank him for working with me and taking me on a client thank u so much billie voisine
    Shawn Emmons is one of the greatest ever he has always been up front with me about everything I need to know he is always willing to go all out for me take my calls every time and if he wants he gets right back to me I would recommend him to anyone and everyone who needs life inshearis he truly is the greatest and I thank him for working with me and taking me on a client thank u so much billie voisine
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  • Rosolena M
    May 13, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Kris and Hannah were wonderful- very knowledgeable and professional, kept us updated every step of the way.
    Kris and Hannah were wonderful- very knowledgeable and professional, kept us updated every step of the way.
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  • Catherine N
    May 13, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Todd our agent is very knowledgeable and friendly
    Todd our agent is very knowledgeable and friendly
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  • Kenneth N
    April 29, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Brynner was and very knowledgeable and had patience with handling the transition of our situation. Thank you
    Brynner was and very knowledgeable and had patience with handling the transition of our situation. Thank you
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  • Teresa B
    April 27, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Ilonka Salisbury is an amazing agent! She had the answers to all our questions and made the process so easy!
    Ilonka Salisbury is an amazing agent! She had the answers to all our questions and made the process so easy!
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  • Paul C
    April 25, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    I worked directly with Jacob Coleman. I believe he developed my financial plan with Russell, for which I'm very pleased.
    I worked directly with Jacob Coleman. I believe he developed my financial plan with Russell, for which I'm very pleased.
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  • Paul C
    April 24, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Jake provides great customer service. Very professional, courteous, knowledgeable, great response times to questions.
    I switched from a firm of 35 years to Banker's Life with Jake.
    Jake provides great customer service. Very professional, courteous, knowledgeable, great response times to questions.
    I switched from a firm of 35 years to Banker's Life with Jake.
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  • Keith C
    April 24, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Russell and Thomas were amazing people to work with. I am very satisfied with the policy. I have gotten just love their professional approach. Looking forward to working with them in the future thanks guys.
    Russell and Thomas were amazing people to work with. I am very satisfied with the policy. I have gotten just love their professional approach. Looking forward to working with them in the future thanks guys.
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  • Linda C
    April 18, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Ilonka is fantastic!
    Ilonka is fantastic!
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  • Michael S
    April 16, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Shawn did a policy review to see if my coverage fits with where I'm at in life. I was lacking in Critical Illness coverage & I do keep seeing younger people diagnosed with cancer, strokes etc... so this was a good cacth on his part. I signed up and was approved later that day. He is nice, personable and most of all knowledgeable!
    Shawn did a policy review to see if my coverage fits with where I'm at in life. I was lacking in Critical Illness coverage & I do keep seeing younger people diagnosed with cancer, strokes etc... so this was a good cacth on his part. I signed up and was approved later that day. He is nice, personable and most of all knowledgeable!
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  • Michael G
    April 15, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Very knowledgeable and a great help to us.
    Very knowledgeable and a great help to us.
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Displaying reviews 1 - 4 out of the 20 most recent

FAQs

Our Brands and Partners

Our agents provide an expansive suite of insurance options, including core products offered by Bankers Life and Casualty Company, Colonial Penn Life Insurance Company and Washington National Insurance Company.

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Insights From Ray
Featured Videos
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