Health & Life Insurance

Since the implementation of The Affordable Care Act, the healthcare industry has seen a continuous increase in premium rates. Families and businesses continue to face the difficult challenge of finding affordable plans with robust provider networks. Our duty and responsibility is to the client and we strive to find coverage for each insured that suits their health needs while keeping rates as low as possible. For a business, large or small, an effective employee benefits package is an integral part of its organization’s effort to attract and retain top talent; a full review of your policy is just as important as the benefits themselves. Stratford’s team is constantly working to combat the rising premiums by searching for the right plan that can keep the costs down for you.

In addition to medical plans, we also offer:

• Individual & Small Group Disability Plans

• Vision Plans

• Long Term Care

• Voluntary Employee Benefits: Hospital/Dental/Vision Plans

• Alternate Funding & PEO Arrangements

• Medicare Supplement Plans
   

Life Insurance

Life insurance is important for families who seek to protect loved ones in the event of death. It provides death benefit money to beneficiaries named on policies. Stratford only offers A+ AM Best rated insurance companies. We offer permanent and term life policies.

Types of permanent life insurance policies include universal, whole life, variable, and survivorship. Each offer a cash value component that can be put to use such as funding education for your children, paying off debt, increasing income, or funeral and other related expenses.

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Term life insurance does not include cash value but is a temporary, cost-effective coverage that gives you flexibility should your needs turn into permanent goals. It provides the most coverage when families are building and have other expenses such as college and mortgages to cover. A term life insurance policy can also be converted to permanent life insurance. Our team provides life insurance coverage to clients as a financial safety net for their loved ones.

Group & Personal Disability

When providing for your loved ones, steady income is essential. Who will provide your family if you are unable to work due to a disability or sickness?

Men and women have nearly a 50% chance of becoming seriously disabled during their working years. There is no way to determine whether this will happen or not but the consequences of a disability are daunting. Disability income insurance provides the financial needs to support you and your family through a disability. An own occupation policy pays benefits to you if you are unable to perform the major work duties of your own occupation due to sickness or injury, even if you are able to perform other kinds of work. Any occupation disability policy provides insurance if you are unable to work in any occupation for which you are reasonably suited based on your age, training, experience, education and station in life. Policies stay in force as long as you pay the premiums.