Skip to main content

ADA Compliance

Security Center | Customer Support | Contact Us

Locations Search
You > Planning/Insurance


An annuity is a contract between an insurance company and an annuity owner. The annuity owner makes a payment, or series of payments to the insurance company. The insurance company guarantees to pay a fixed interest rate on the money. 

Please note: appointments are currently being conducted by phone.

Annuity Types:

  • Deferred Annuity - Long term investment used to accumulate assets for retirement.
  • Immediate Annuity - Provides a regular income stream purchased with a lump sum investment. 

Business Insurance  

Getting Started

CNB Insurance Agency will help determine the insurance needed for you and your business to get you started. 

Insurance Meeting

Meet with an Insurance Expert

Meeting with an Insurance expert is easy - we can meet at your business or schedule a meeting at a bank office nearest you.


Discover the CNB difference.

As the only local, full-service, community-owned financial institution in the Greater Rochester Area, CNB is investing in you, your business, and your community through our products, personal service, technology, and community support. We offer competitive banking solutions and personalized service that build long-lasting relationships.

CNB Insurance Agency is a wholly owned subsidiary of The Canandaigua National Bank and Trust Company. Products offered through CNB Insurance Agency are not deposits or obligations of, or guaranteed, or endorsed by, The Canandaigua National Bank and Trust Company. These products are not federally insured by the Federal Deposit Insurance Corporation or the Federal Reserve Board. Insurance Companies offering products through CNB Insurance Agency are independent of and not affiliated with The Canandaigua National Bank and Trust Company or CNB Insurance Agency.