Term Life Insurance
Remember the days when you actually saw a live person and established a life insurance contract. Some of you may even remember the days when that agent even collected the premiums! The internet sure has revolutionized the way term life insurance is purchased; however, your Stratford representative would still like to extend their offer of providing term life insurance with a personal touch.

Designed for temporary and less expensive protection, term insurance is most times ideal for mortgage protection, business loans, college education and typically is purchased in coverage periods of 10, 15, 20 or 30 year guaranteed premium periods.

Whole Life Insurance
While designed for permanent protection needs, whole life insurance is conservative by design and can be deemed expensive, especially in a term insurance dominated marketplace. The benefits of this permanent vehicle include guaranteed death benefits (income tax free), guaranteed cash values (the grow tax deferred), estate planning benefits business planning benefits and estate creation (inheritance).

Universal Life Insurance
Universal life insurance is flexible by design and allows for both permanent protection combined with a financial vehicle to allow your cash value to be invested. Participants can choose a level or variable death benefit and cash value that are tied to interest sensitive securities or mutual funds. The benefits of this financial vehicle include the ability to structure the flexible death benefits (income tax free) and cash values (the grow tax deferred) to provide a tool for estate planning, business planning and estate planning and/or creation (inheritance).

Family Planning, Business Planning and Estate Planning
Life insurance is a valuable tool in any insurance consultant's toolbox, especially a Certified Financial Planner. Stratford's division of Certified Financial Planning can help you a structure a program, often funded by life insurance to meet your various family planning (i.e. second-to-die), business planning (i.e business continuance, partnership arrangements) and estate planning (for estate taxes, life insurance, preservation of wealth).