What is the difference between term and whole life insurance?

Term life insurance provides coverage for a set time, while whole life lasts your entire life and includes cash value growth. Both offer unique benefits, and Stratford Insurance helps match the right option to your needs.

How much life insurance coverage do I need?

Coverage depends on factors like income, debt, and family needs. A common rule is 10 times your annual income. Stratford Insurance will help calculate an amount tailored to your goals.

Can I change my life insurance policy later?

Some policies, like convertible term life insurance, allow changes to coverage. Stratford Insurance offers flexible options to adapt your policy as your needs evolve.

Does life insurance cover pre-existing conditions?

Coverage depends on the condition and policy type. Stratford Insurance works with top providers to find policies that accommodate your health history whenever possible.

What happens if I miss a premium payment?

Policies often have a grace period for late payments. If coverage lapses, reinstatement may be possible. Stratford Insurance will guide you through maintaining your policy.

Life Insurance

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Life insurance to secure your family’s future.

"Life insurance is about more than finances—it’s about protecting the ones you love. Stratford Insurance offers flexible, personalized policies to ensure your family’s stability and peace of mind.

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Term Life Insurance

Term life insurance provides coverage for a specific period, offering affordable protection for milestones like raising children or paying off a mortgage. If something happens to you during the term, your family receives financial support to handle expenses and maintain their quality of life. Stratford Insurance helps you choose a plan that fits your goals.

Whole Life Insurance

Whole life insurance combines lifelong protection with cash value growth. In addition to a guaranteed payout, this policy builds financial equity over time, giving you flexibility to borrow or save. Stratford Insurance’s whole life policies are ideal for securing your family’s future while building long-term value for your peace of mind.

Final Expense Insurance

Final expense insurance covers end-of-life costs, such as funeral and burial expenses. This coverage ensures that your loved ones aren’t burdened with unexpected costs during a difficult time. Stratford Insurance offers compassionate guidance in selecting a policy that provides financial relief and honors your wishes.

Some basic information that can help you better plan ahead.

What is the difference between term and whole life insurance?

Term life insurance provides coverage for a set time, while whole life lasts your entire life and includes cash value growth. Both offer unique benefits, and Stratford Insurance helps match the right option to your needs.
How much life insurance coverage do I need?

Coverage depends on factors like income, debt, and family needs. A common rule is 10 times your annual income. Stratford Insurance will help calculate an amount tailored to your goals.
Can I change my life insurance policy later?

Some policies, like convertible term life insurance, allow changes to coverage. Stratford Insurance offers flexible options to adapt your policy as your needs evolve.
Does life insurance cover pre-existing conditions?

Coverage depends on the condition and policy type. Stratford Insurance works with top providers to find policies that accommodate your health history whenever possible.
What happens if I miss a premium payment?

Policies often have a grace period for late payments. If coverage lapses, reinstatement may be possible. Stratford Insurance will guide you through maintaining your policy.

Secure your family’s future today.

Life insurance from Stratford Insurance ensures your loved ones are financially protected. Contact us today to find a policy that brings peace of mind.