I actually googled hummingbird moths after your comment and looking at the pix online I'm pretty sure it's a bee heavily laden with pollen. My garden was happy that year and we had lots of them.

I think that is a hummingbird moth - it looks like it has a long stem on the front and a flat tail???? Spent alot of time last summer trying to get one to come out sharp - and you actually froze the wings here!!!!