Annuities in Stratford, Connecticut — Complete 2025 Guide

What Are Annuities? (Stratford Context)

An annuity is a contract between you and an insurance company. You make either a lump-sum payment or a series of payments, and in return the insurer promises to deliver periodic disbursements — either immediately or at some future date. The core appeal is simple: an annuity can guarantee you will not outlive your money, which matters enormously when you factor in today’s longer life expectancies and rising healthcare costs.

For Stratford residents, that promise carries real local weight. Stratford sits in Fairfield County — one of Connecticut’s higher-cost counties — where the cost of living index lands at 112 compared to the national average of 100. Median home prices in Stratford hover around $345,000, and many homeowners who have accumulated equity over decades are asking how to turn that wealth into reliable monthly cash flow without simply drawing down a brokerage account that can lose value in a down market.

Annuities fill that gap. Whether you live in Lordship, Oronoque, Paradise Green, or anywhere else in Stratford’s diverse neighborhoods, the math of retirement income planning is similar: Social Security typically replaces 40 percent or less of pre-retirement income, defined-benefit pensions have largely disappeared from the private sector, and 401(k) balances must last potentially 25 to 30 years. Annuities address the portion of your retirement income plan that needs certainty.

It is equally important to understand what annuities are not. They are not bank accounts, they are not mutual funds, and they are not appropriate for every dollar of your savings. Surrender charges, tax treatment, and product complexity vary significantly across annuity types. That complexity is exactly why working with a locally licensed broker who understands both Connecticut insurance regulations and the specific financial pressures facing Stratford retirees makes such a practical difference.

Types of Annuities Available in Stratford

Connecticut residents have access to the full range of annuity products sold nationally, all of which must comply with Connecticut Insurance Department (CID) suitability standards. Below is a breakdown of the six primary product types available to Stratford residents.

Fixed Annuities

A fixed annuity credits a guaranteed interest rate for a defined period, typically one to ten years. Your principal is protected from market loss. Fixed annuities are sometimes compared to certificates of deposit, though they offer tax-deferred growth and are held by an insurance carrier rather than a bank.

Multi-Year Guaranteed Annuities (MYGA)

A MYGA is a type of fixed annuity that locks in a specific interest rate for the entire term — commonly two to ten years. MYGAs are popular with Stratford retirees who want CD-like simplicity with tax deferral. Rates on MYGAs have become more attractive in the current higher interest-rate environment, making this one of the most frequently requested products in 2024 and into 2025.

Fixed Indexed Annuities (FIA)

A Fixed Indexed Annuity credits interest based on the performance of a market index — such as the S&P 500 — subject to a cap, spread, or participation rate. Your principal is protected from negative index returns; you simply receive zero credit in a down year rather than losing money. FIAs appeal to Stratford residents who want some market upside without direct market risk.

Variable Annuities

Variable annuities allocate premiums into sub-accounts that function similarly to mutual funds. Your account value can grow significantly in strong markets but can also decline. Variable annuities typically carry the highest fees among annuity types and are subject to securities regulation in addition to insurance regulation. They may make sense for longer accumulation horizons when optional living benefit riders are attached, but they require careful analysis before purchase.

Single Premium Immediate Annuities (SPIA)

A SPIA begins paying income typically within 30 days of a lump-sum premium. You exchange a defined amount of capital for a guaranteed income stream — monthly, quarterly, or annually — for a period certain, for your lifetime, or for both your lifetime and a surviving spouse’s lifetime. SPIAs are straightforward and often appeal to Stratford residents who are already in retirement and need income to start now.

Deferred Income Annuities (DIA)

A DIA — sometimes called a longevity annuity — accepts a lump sum today but defers income payments to a future date, often 10 to 20 years out. Because the insurer holds the premium longer before paying out, the monthly income amount is substantially higher per premium dollar than a SPIA. DIAs can serve as a hedge against living into your 80s and 90s.

How Much Does an Annuity Cost in Stratford?

Annuity “cost” is more nuanced than most financial products because annuities are funded through premiums — not purchased for a set price — and their ongoing costs depend heavily on product type and optional riders. Here is a practical breakdown for Stratford residents.

Minimum Premium Requirements

Most carriers require a minimum premium of $5,000 to $10,000 for fixed and MYGA products. FIAs and variable annuities often start at $10,000 to $25,000. Some premium immediate annuities begin at $25,000 or higher. There is technically no maximum, though Connecticut suitability rules require carriers to assess whether the premium amount is appropriate given the client’s overall financial picture.

Internal Fees

Fixed annuities and MYGAs typically carry no explicit annual fee — the insurance company earns its margin through the spread between what it earns on invested assets and what it credits to your contract. Fixed indexed annuities may carry a spread or participation-rate limitation rather than a stated fee. Variable annuities, by contrast, typically carry annual mortality and expense (M&E) charges ranging from 0.5 percent to 1.5 percent of account value, plus sub-account investment management fees that can add another 0.5 percent to 1 percent or more annually. Optional living benefit riders on FIAs or variable annuities add another 0.5 percent to 1.25 percent per year.

Surrender Charges

Most deferred annuities impose surrender charges during an initial period — typically 5 to 10 years — if you withdraw more than the free-withdrawal amount. Free-withdrawal provisions commonly allow 10 percent of the account value per year without penalty. Surrender charges typically start at 7 to 10 percent in year one and decline to zero by the end of the surrender period. In Connecticut, any annuity contract must disclose these charges clearly in the contract and in the annuity buyer’s guide that insurers are required to provide.

Local Cost-of-Living Context

Stratford’s cost of living index of 112 means that everyday expenses — groceries, utilities, transportation — run roughly 12 percent above the national average. For retirees relying on fixed income, that gap compounds over time. A Stratford resident who retires at 65 needing $4,500 per month to cover basic expenses, with Social Security providing $1,800 per month, has a monthly income gap of $2,700. Depending on age, health, and interest rates, a SPIA might require a lump-sum premium of roughly $400,000 to $550,000 to fill that gap for life. An FIA with a Guaranteed Lifetime Withdrawal Benefit (GLWB) rider might require a similar premium but would preserve account value for heirs if death occurs early. These are illustrative ranges, not quotes — exact figures depend on the carrier, your age and gender, and current rates.

With Stratford’s median home price at $345,000, some retirees explore using home equity — through downsizing — to fund an annuity purchase. This strategy has legitimate merit but deserves careful analysis alongside other retirement income sources. A licensed broker can help you model the trade-offs before committing.

Connecticut-Specific Rules for Annuities

Connecticut maintains a robust regulatory framework for annuities that provides meaningful consumer protections. Understanding these rules helps Stratford residents make informed decisions and know their rights.

Connecticut Insurance Department (CID)

All annuity products sold in Connecticut must be approved by the Connecticut Insurance Department (CID), which operates under the authority of the Connecticut General Statutes. The CID reviews policy forms, enforces suitability standards, and handles consumer complaints. You can verify that a carrier is licensed to do business in Connecticut and check an agent’s license status at ct.gov/cid. Joseph Antonucci holds Connecticut license number #21658409, verifiable through the CID’s online portal.

Suitability and Best Interest Standards

Connecticut has adopted the NAIC (National Association of Insurance Commissioners) Suitability in Annuity Transactions Model Regulation, which requires insurance producers to act in the client’s best interest when recommending an annuity. This means your broker must document why a recommended product is appropriate given your financial situation, risk tolerance, investment objectives, and time horizon. Carriers are also required to have supervision programs in place to oversee producer recommendations.

Free-Look Period

Connecticut law requires a free-look period of at least 10 days for most annuity contracts — and 30 days for contracts sold as replacements of existing annuities. During this window, you can return the contract for a full refund with no questions asked. If you are 65 or older, you may be entitled to an extended free-look period under Connecticut’s senior insurance protections; confirm this with your broker before signing.

CT Life & Health Insurance Guaranty Association

The CT Life & Health Insurance Guaranty Association provides a safety net if a licensed Connecticut insurer becomes insolvent. For annuity contracts, the Guaranty Association covers up to $250,000 in present value per insurer. This protection applies per insurance company, so diversifying large annuity holdings across two or more carriers can increase your effective coverage. Guaranty Association coverage is not the same as FDIC insurance — it is a mechanism of last resort — but it does provide meaningful peace of mind when placing a large premium with a single carrier.

Tax Treatment in Connecticut

Annuity growth is tax-deferred at the federal level; you pay ordinary income tax on distributions to the extent they exceed your cost basis. Connecticut conforms to federal treatment in most respects, but Connecticut also exempts a portion of retirement income from state income tax for residents over certain income thresholds. For Connecticut residents age 65 and older, a portion of pension and annuity income may be excluded from Connecticut adjusted gross income. These exclusion thresholds are subject to annual legislative adjustment, so working with a tax advisor alongside your insurance broker is advisable before making large annuity decisions.

1035 Exchanges

A 1035 exchange allows you to transfer funds from an existing annuity or life insurance policy into a new annuity on a tax-free basis, provided the transaction meets IRS requirements. Connecticut does not impose additional state-level restrictions on 1035 exchanges beyond federal rules, but the exchange must be executed directly between carriers — you cannot receive the funds personally and then reinvest. A 1035 exchange is commonly used to move from an older, higher-cost variable annuity to a new FIA or MYGA with better terms.

Stratford’s Healthcare Landscape and Its Impact on Your Annuity Decision

Retirement income planning and healthcare planning are inseparable, and Stratford’s healthcare infrastructure is an important factor in that analysis.

Stratford residents benefit from proximity to major medical centers in the greater Bridgeport area. Bridgeport Hospital, a teaching hospital affiliated with Yale New Haven Health, provides comprehensive acute care services just minutes from most Stratford neighborhoods. St. Vincent’s Medical Center, part of the Hartford HealthCare network, offers another full-service hospital option serving Fairfield County. Access to two major healthcare networks — Yale New Haven Health and Hartford HealthCare — means Stratford residents generally have robust specialist access without traveling far, but that access comes at a cost.

Pharmacy access is well-distributed across Stratford. CVS Pharmacy operates five or more locations convenient to Stratford ZIP codes 06614 and 06615, and Walgreens maintains four or more area locations. ShopRite Pharmacy provides a grocery-integrated pharmacy option for residents who prefer combining errands. This density of pharmacy access is relevant for retirees on multiple medications who need to budget prescription costs into their monthly retirement income plan.

Why does this matter for annuities? Healthcare costs in retirement are among the least predictable and most significant expenses a retiree faces. Fidelity’s annual analysis consistently estimates that a 65-year-old couple will need $300,000 or more in today’s dollars to cover healthcare costs in retirement — and that estimate does not include long-term care. In a higher-cost region like Fairfield County, those figures can run higher. An annuity that provides guaranteed lifetime income regardless of how long you live ensures that healthcare expenses, even if they escalate over two or three decades, can be met with a predictable income floor.

Some Stratford residents also use annuities in conjunction with Medicare supplement (Medigap) planning. The guaranteed income from an annuity can make Medigap premiums a predictable, manageable line item in a retirement budget rather than a financial stress point. Residents with access to Access Health CT (accesshealthct.com) can also explore how annuity income interacts with Marketplace health insurance subsidies for those who retire before Medicare eligibility at age 65.

How to Get an Annuity in Stratford: Step-by-Step

Purchasing an annuity involves more steps than buying most financial products, and the process typically unfolds over several weeks. Here is what Stratford residents can expect.

1. Initial Consultation (Week 1) — Contact a licensed Connecticut annuity broker for an initial discovery conversation. You will discuss your retirement goals, current income sources (Social Security, pension, investment accounts), monthly expenses, health status, and risk tolerance. Bring recent statements for any existing retirement accounts or annuities you may already hold. Joseph Antonucci at We Find Your Insurance — (860) 351-0514 — offers free initial consultations to Stratford residents.
2. Needs Analysis and Product Matching (Week 1–2) — Your broker prepares a written analysis of your income gap and presents product options from multiple carriers. Under Connecticut’s best-interest standards, the broker must document why each recommended product is suitable for you specifically. You should receive an annuity buyer’s guide as required by Connecticut regulations.
3. Illustration Review (Week 2) — For each product you are seriously considering, request a formal illustration showing projected values under best-case, mid-case, and worst-case scenarios. For FIAs and variable annuities, ask for the illustration to show values net of all fees and charges. Review surrender charge schedules carefully.
4. Application Submission (Week 2–3) — Gather required documents: government-issued photo ID, Social Security number, bank account information for premium funding, and beneficiary information (names, dates of birth, Social Security numbers for primary and contingent beneficiaries). For IRA-funded annuities, your broker will coordinate with your existing custodian on a direct transfer. For non-qualified funds, a check or wire transfer funds the contract.
5. Carrier Review and Issue (Week 3–5) — The insurance carrier reviews the application for suitability, verifies the premium source, and formally issues the contract. For large premiums or clients over age 75, carriers sometimes require additional suitability documentation or a brief telephone interview. Once approved, the contract is issued and mailed to you.
6. Free-Look Period (10–30 Days After Receipt) — Read the contract carefully upon receipt. Connecticut’s free-look period gives you the right to return the contract for a full refund if you change your mind. Do not allow this window to pass without reviewing all contract terms, fees, and surrender charges.
7. Ongoing Service — After the free-look period expires, your broker remains your point of contact for questions about withdrawals, beneficiary changes, income activation, or future product reviews. Annual reviews are advisable as your financial situation and market conditions change.

Comparing Annuity Carriers Available in Stratford

Dozens of insurance companies offer annuities in Connecticut, but a handful of carriers consistently appear in the competitive marketplace for Stratford residents. The table below provides a general comparison based on product strengths, financial strength ratings, and market reputation. This is an overview, not a recommendation — the right carrier for you depends on your specific needs, and financial strength ratings should always be verified with the rating agency directly before purchase.

Remember that all carriers licensed in Connecticut are subject to CID oversight, and all are backstopped (up to applicable limits) by the CT Life & Health Insurance Guaranty Association. Financial strength ratings are one important factor but not the only consideration when selecting a carrier. Rate competitiveness, rider features, and customer service track records all matter as well.

Accumulation vs. Income Phase: Living Benefits Explained

One of the most important concepts for Stratford annuity buyers to understand is the distinction between the accumulation phase and the income (distribution) phase, and the optional living benefits that can bridge the two.

Accumulation Phase

During accumulation, your premium grows on a tax-deferred basis. You are building a future income base. For FIAs and MYGAs, this phase involves no market loss risk. For variable annuities, account value fluctuates with sub-account performance. Most surrender charges apply during this phase.

Income Phase

When you activate income — either through annuitization (converting the contract to a permanent income stream) or through a living benefit rider — you begin receiving regular payments. Annuitization is permanent; once you annuitize, you typically cannot access a lump sum. Living benefit riders, by contrast, allow you to take income while preserving the remaining account value for heirs or future access.

Guaranteed Lifetime Withdrawal Benefit (GLWB)

A GLWB rider guarantees a minimum percentage of an income base can be withdrawn annually for life, even if the actual account value is depleted. For example, a contract might guarantee 5 percent of the income base per year for life beginning at age 65. The income base may grow at a specified roll-up rate (commonly 5 to 7 percent simple or compound) during deferral years. GLWBs are among the most requested riders by Stratford retirees who want income flexibility without permanently annuitizing.

Guaranteed Minimum Income Benefit (GMIB)

A GMIB guarantees the ability to annuitize at a minimum income level based on a separate benefit base, even if the account value is lower. GMIBs are more common on variable annuities and require a waiting period before exercise, typically 10 years.

Guaranteed Minimum Accumulation Benefit (GMAB)

A GMAB guarantees the account value will equal at least the original premium (or a stepped-up amount) at a specified future date. GMABs are found primarily on variable annuities and serve as principal protection for equity-market participants.

Death Benefit Options

Annuity contracts pass to named beneficiaries outside of probate, which is a significant estate planning advantage. Standard death benefits return the greater of the account value or the original premium. Enhanced death benefits — available as optional riders on many FIAs and variable annuities — may return the highest account value ever reached (a “ratchet” or “step-up” benefit) or a stated minimum guaranteed growth amount. Stratford residents with significant assets who wish to pass wealth to adult children or grandchildren should evaluate death benefit riders as part of the overall annuity decision.

Stratford Neighborhoods and ZIP Code Coverage

We Find Your Insurance serves annuity clients throughout all of Stratford, including every neighborhood and both ZIP codes. Understanding the geographic breadth of Stratford helps clarify that there is no single “Stratford experience” — residents in different parts of town face meaningfully different financial circumstances.

Downtown Stratford (primarily ZIP 06615) includes a mix of rental housing and older single-family homes. Residents in this area often have more modest home equity but may have longer working histories in trade or manufacturing sectors with pension income. Fixed annuities and MYGAs tend to appeal to this demographic as low-complexity, low-cost accumulation tools.

Lordship, the coastal peninsula community in ZIP 06615, features higher home values and a retiree demographic that has often accumulated significant wealth through real estate appreciation. SPIA and FIA products with living benefit riders are frequently relevant here, as residents have larger lump sums available and want to create income without depleting investment portfolios.

Oronoque, a planned community in the northern part of Stratford within ZIP 06614, is home to many age-55-and-over residents by community covenant. This neighborhood has one of the highest concentrations of annuity-appropriate prospects in Stratford — residents are at or near retirement, typically own their homes outright, and are actively managing the transition from accumulation to income. FIAs with GLWB riders and SPIAs are both commonly relevant here.

Paradise Green and the surrounding mid-Stratford neighborhoods straddle both ZIP codes and include a broad range of ages and income levels. Residents here may be in the accumulation phase still — a MYGA laddering strategy (purchasing multiple MYGAs with staggered maturities) can be effective for those 5 to 15 years from retirement.

South End (ZIP 06614) is a diverse neighborhood near the Sikorsky Memorial Airport area. Residents include longtime Stratford homeowners and younger families. For those in their 40s and 50s, deferred income annuities (DIAs) can lock in favorable income rates for benefits beginning at 70, 75, or 80 — a strategy sometimes called “longevity insurance.”

Nichols, in the northern portion of ZIP 06614 near the Trumbull border, includes a mix of professional households and established families. Variable annuities may appeal to higher-income earners with longer time horizons who want tax-deferred growth in a non-qualified account beyond 401(k) and IRA contribution limits.

Residents in nearby cities — Bridgeport, Milford, Shelton, Trumbull, and Fairfield — are also served by We Find Your Insurance and face similar Fairfield County cost-of-living dynamics when planning for retirement.

Frequently Asked Questions — Annuities in Stratford, Connecticut

What is the difference between a fixed annuity and a fixed indexed annuity?

A fixed annuity credits a guaranteed interest rate set by the insurance carrier for a defined term, while a fixed indexed annuity credits interest based on the performance of a market index, subject to a cap or participation rate. Both protect your principal from loss — if the market index falls, a FIA credits zero rather than a negative amount. The potential advantage of an FIA is higher interest in strong market years compared to a traditional fixed rate; the trade-off is that your upside is capped. For Stratford residents who want principal protection but are willing to accept some variability in annual returns, an FIA can offer meaningful value over time.

Are annuities safe in Connecticut?

Annuities sold in Connecticut are protected by multiple layers of regulation and financial backstops. All carriers must be licensed by the Connecticut Insurance Department and maintain statutory reserves. The CT Life & Health Insurance Guaranty Association provides a safety net covering up to $250,000 in annuity present value per carrier in the event of insolvency. Additionally, financially strong carriers — those rated A or better by AM Best — have demonstrated long-term claims-paying stability. Annuities are not FDIC-insured products, but Connecticut’s regulatory framework and guaranty protections make them a reasonably secure vehicle for retirement savings when placed with highly rated carriers.

How are annuity withdrawals taxed in Connecticut?

At the federal level, withdrawals from a non-qualified annuity are taxed on a last-in, first-out (LIFO) basis — earnings come out first and are subject to ordinary income tax. Withdrawals taken before age 59½ are also subject to a 10 percent federal early withdrawal penalty in most cases. Connecticut generally conforms to federal treatment of annuity income, and Connecticut residents age 65 and older may qualify for a partial exclusion of pension and annuity income from Connecticut taxable income, subject to income thresholds. For annuities held inside an IRA or qualified plan, all distributions are fully taxable as ordinary income. A qualified tax advisor can model the Connecticut-specific impact of annuity distributions on your overall tax situation.

What is a surrender charge and how long does it last?

A surrender charge is a fee assessed by the insurance carrier if you withdraw more than the free-withdrawal amount during the surrender period specified in your contract. Surrender periods typically run from 5 to 10 years for most deferred annuities, with the charge starting at 7 to 10 percent in year one and declining each year until it reaches zero. Most contracts allow a 10 percent free-withdrawal provision per year without triggering the charge. After the surrender period ends, you can withdraw any amount or transfer to another product without penalty. Understanding the surrender schedule is essential before purchasing — you should only place funds in a deferred annuity that you are confident you will not need in full during the surrender period.

Can I use my 401(k) or IRA to buy an annuity?

Yes, you can fund an annuity with qualified retirement account assets through a direct rollover or transfer. If the rollover is executed properly — carrier to carrier, or via a trustee-to-trustee transfer — no taxes are triggered at the time of the move. The annuity then becomes a “qualified annuity,” and all future distributions are taxed as ordinary income when withdrawn. Required Minimum Distribution (RMD) rules still apply to qualified annuities starting at age 73, though annuitized contracts satisfy RMD requirements through their regular income payments. Using IRA or 401(k) funds to purchase an annuity does not provide additional tax deferral (since the IRA already grows tax-deferred), but it can provide longevity protection, guaranteed income, and living benefit features that a standard IRA investment account cannot offer.

What is a 1035 exchange and when does it make sense?

A 1035 exchange is a tax-free transfer from one annuity contract (or life insurance policy) to a new annuity contract, authorized under Section 1035 of the Internal Revenue Code. The exchange must be executed directly between insurance carriers — you cannot receive the funds personally. A 1035 exchange makes sense when your current annuity has high fees, poor interest crediting, outdated rider features, or better options are now available. Common scenarios for Stratford residents include moving from an older variable annuity with high M&E charges to a lower-cost FIA or MYGA, or exchanging a life insurance policy with significant cash value into an income annuity. Be aware that a 1035 exchange may restart the surrender period on the new contract, and carried-over cost basis calculations can be complex — work with your broker and tax advisor to confirm the move makes financial sense net of all costs.

How much money do I need to buy an annuity?

Minimum premium requirements vary by carrier and product type, but most annuities are available for premiums of $5,000 to $25,000 or more. Fixed annuities and MYGAs often start at $5,000 to $10,000. FIAs and variable annuities typically require $10,000 to $25,000 minimum. Single premium immediate annuities (SPIAs) commonly start at $25,000, though the income amount is meaningfully higher with larger premiums. For a Stratford resident with a monthly income gap of $1,000 per month, a rough estimate for a SPIA might require a premium of $150,000 to $200,000 depending on age, gender, and current interest rates. These are illustrative figures — your broker will generate a precise illustration based on your specific circumstances and current market rates.

Do annuities go through probate in Connecticut?

No — annuities with named beneficiaries pass outside of probate in Connecticut, directly to the designated beneficiary upon the owner’s death. This is one of the significant estate planning advantages of annuities compared to taxable investment accounts or real estate, which typically do pass through the probate process. To ensure this benefit, you must name a beneficiary (and ideally a contingent beneficiary) on your contract and keep that designation current — especially following major life events such as marriage, divorce, or the death of a previously named beneficiary. In Connecticut, where probate can be a time-consuming and modestly expensive process, having assets transfer directly to heirs can simplify estate administration meaningfully.

What is a Guaranteed Lifetime Withdrawal Benefit (GLWB) rider?

A GLWB rider is an optional feature available on many FIA and variable annuity contracts that guarantees a minimum annual withdrawal amount for life, regardless of whether the actual account value is depleted. The rider maintains a separate “income base” (sometimes called the benefit base), which may grow at a stated roll-up rate during the deferral period — often 5 to 7 percent simple or compound per year. Once income is activated, the rider guarantees a set percentage of the income base (commonly 4 to 6 percent) can be withdrawn annually for as long as you live. If the account value reaches zero due to sustained withdrawals, the carrier continues making guaranteed payments from its own general account. The GLWB rider typically carries an annual charge of 0.5 to 1.25 percent of the income base, which is deducted from the account value. For Stratford retirees who want income security but are reluctant to permanently annuitize, a GLWB rider offers a compelling middle ground.

If you are a Stratford resident ready to explore whether an annuity belongs in your retirement income plan, the next step is a straightforward conversation with a licensed Connecticut broker who understands both the product landscape and the specific financial realities of living in Fairfield County. Joseph Antonucci at We Find Your Insurance holds Connecticut License #21658409 and has been helping Connecticut residents navigate insurance and retirement income decisions since 2019. There is no cost or obligation for an initial consultation. Call (860) 351-0514 to schedule your free review and get clear, unbiased guidance on whether a fixed annuity, FIA, SPIA, MYGA, or another product is the right fit for your goals. Serving all Stratford neighborhoods and ZIP codes 06614 and 06615.