Business Details
45 Years
experience
Your Trusted Partner for Voluntary Benefits Solutions
Founded in 1981 by Edward Stringer and James Franzoni, S F & C Insurance Associates has dedicated over 38 years to providing voluntary benefits solutions tailored for labor unions, associations, and employers of all sizes. Our expertise lies in offering life insurance, disability protection, annuities, and other critical coverage options designed to meet the unique needs of union members and their families. As a Union-endorsed organization, we prioritize loyalty to our clients, ensuring they receive personalized support through experienced Benefits Representatives and a dedicated customer care team.Our state-of-the-art administration system streamlines payroll deductions and negotiates group rates with top-tier insurers, reducing administrative burdens for employers while maximizing value for policyholders. With a proven track record of industry leadership and partnerships with carriers like Transamerica and Allstate, we remain committed to delivering accessible, guaranteed-issue coverage options that provide financial security during life's most challenging moments.
Services
Life Insurance
Disability Protection
Long Term Care
Critical Illness
Annuities
Cancer Insurance
Hospital Indemnity
Accident Coverage
Dental Coverage
Details
- Year established: 1981
Highlights and features
- We have over 38 years of experience in voluntary benefits for unions.
- Our team consists of certified Benefits Representatives who are union members.
- We negotiate discounted group rates with top-tier insurance carriers.
- We provide 24/7 personalized customer support for policyholders.
- Our state-of-the-art administration system simplifies payroll deductions.
Services
Life Insurance
We offer permanent and term life insurance policies with guaranteed acceptance options, including whole life, universal life, and term coverage up to $200,000. Our plans feature no medical exams for qualified applicants, long-term care riders, and portable coverage that remains active after employment ends. These policies provide financial security for families while offering cash value accumulation opportunities.
Disability Protection
Our disability income policies provide tax-free benefits for work interruptions caused by illness or injury, covering up to 60% of monthly income with benefit periods lasting up to 24 months. Coverage includes maternity as an illness and offers 7-day waiting period options. Spouse coverage is available to protect household income for both wage earners.
Long Term Care
We provide long-term care coverage paying up to $200,000 in benefits for home health care, assisted living, or nursing home stays. Our guaranteed acceptance policies offer 4% monthly payouts for facility care and 2% for home care, with benefit extensions for ongoing chronic illness. Coverage remains active even after policy face value is exhausted.
Critical Illness
Our critical illness plans cover heart attacks, strokes, cancer, and organ transplants with living benefits paid directly to policyholders. Coverage includes $25,000 guaranteed issue options and family riders for spouses and children. Benefits help cover treatment costs, lost income, and home care expenses without requiring hospitalization for payment.
Annuities
We offer fixed annuities with guaranteed 1% minimum interest and current 4% returns, combining life insurance protection with cash accumulation. Our security builder plans allow flexible contributions, tax-deferred growth, and optional waiver of premium benefits for disability. Annuities can be started with monthly payments as low as $13 for children.
Questions
What voluntary benefits does SF&C offer?
We provide life insurance, disability protection, long-term care, critical illness coverage, annuities, cancer insurance, hospital indemnity, accident protection, and dental coverage tailored for union members and employers.
How does SF&C support labor unions?
Our Benefits Representatives are union members who understand workforce needs. We design customized benefits packages with negotiated group rates and handle all administration through payroll deductions.
What payment methods are available?
We accept payroll deductions, automatic bank drafts, and credit card payments for all voluntary benefit programs.
Are medical exams required for coverage?
Many policies, including life insurance up to $200,000 and critical illness coverage up to $25,000, offer guaranteed acceptance without medical exams for qualified applicants.
How does SF&C handle customer service?
Our dedicated customer care team assists policyholders with claims, coverage changes, and questions through a toll-free number and email support during business hours.
Reviews (7)
Angie M.
Jan 10, 2022
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Definitely do not recommend this company. They do not return your phone calls and send you back and forth from one person to another. No matter what the issue is, it is very difficult to get the reps to help.they say they have to contact customer service for them to send you an email.it has been several days and customer service does not send me an email.they say have to contact the rep, but the rep then tells you the same.that they have to contact customer service -- that should not take more than a day.it has been weeks now, actually months since my initial request for help!.so they keep you like a ping pong ball like this while NO ONE DOES ANYTHING! I want discontinue them and it is just as difficult.they give you the runaround! Save yourself some headaches and look somewhere else.
Caulder Carr
Apr 18, 2021
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Everything I needed help with they were prepared to assist me. Couldn't ask for a more professional experience.
Grayson Welsh
Jan 17, 2021
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A representative reached out to me instantaneously about different life insurance plans. Very helpful
Tulpe Harmon
Nov 27, 2020
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Critical: Professionalism, Quality, Responsiveness, Value The worst experience I have ever had. They took almost $1000 dollars from me to fund an accidental plan and two life insurance policies that were never funded and now I have to chase them down to get my money back! The broker is just as bad! Never again. I will stick with Aflac!
Lavonne Boone
Dec 28, 2019
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Now where do I start this place is a joke this place is taking money out of my check for three pays had nerve a lot of money and said they only seen at one time I will not recommend this place to nobody all I know is I better get my refund anytime we fashion they was taking my money I want my money back that they owe me then had the nerve to say it was a error why didn't you call me or ask me is this a mistake
Kia Saunders
Apr 01, 2019
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These ppl ain't nothing but a big joke ' I've been calling to them for the last 4 days now & still haven't talk to the person they say handles out yard. BullS**t I tell you ' I can't wait to talk to someone. because this is unacceptable I pay good money EVERY TWO WEEKS and I can't get a simple customer service
Kate Drabinski
Feb 20, 2019
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I have been trying to cancel a policy with these people for over a year. I am trapped in a Kafkaesque nightmare with no end in sight. Do not get started with these people--they'll never let you go.
