Shoreline Insurance Services

Business Details

8 Years

experience

Your Trusted Insurance Partner in Branford, CT

Shoreline Insurance Services was founded in January 2018 by Steve Cudgma, a licensed Life, Health, and Medicare Specialist with over 10 years of experience in insurance services. Our mission is to provide clients with the best choices for health, disability, and life insurance while maintaining unparalleled service and attention to detail. We offer comprehensive coverage options, including Medicare, Long Term Care, Home & Auto, and Commercial Insurance, and are affiliated with all major carriers, including AccessHealth CT. Our team is committed to staying current with industry advancements to ensure our clients receive the most suitable plans for their needs. As lifelong Branford residents and active community members, we prioritize professionalism, integrity, and personalized support.

Steve Cudgma, a Certified Long Term Care Advisor and Notary Public, brings expertise from decades of experience in advertising, retail, and nonprofit leadership. We take pride in serving clients across Connecticut with convenient access to our Branford office. Our philosophy centers on client satisfaction and responsible advocacy for individuals, families, and businesses. Community involvement includes leadership roles in organizations like the Shoreline Eldercare Alliance and Branford Youth Missions. We strive to provide peace of mind through transparent, client-focused insurance solutions.

Services

Health Insurance Medicare Plans Final Expense Insurance Long Term Care Home Insurance Commercial Insurance

Details

Year established: 2018

Highlights and features

We offer 10+ years of specialized expertise in Medicare and Long Term Care insurance.
Our team is affiliated with all major carriers, including AccessHealth CT.
We provide personalized, client-centered insurance solutions with no hidden fees.
Our founder serves as a Notary Public and Certified Long Term Care Advisor.
We maintain active leadership roles in local senior care and community organizations.

What people say

Most knowledgeable about Medicare Pleasure to work with Solved insurance concerns quickly Superior product knowledge Helpful and thorough

Website

Update Listing

Services

Medicare Plans

We offer comprehensive Medicare plan selection and consultation services tailored to individual needs. Our team provides expert guidance on Original Medicare, Advantage Plans, and Supplemental Insurance. With certification from the Centers for Medicare & Medicaid Services, we ensure clients understand their options for prescription drug coverage, preventive care, and long-term healthcare planning.

Long Term Care

Our specialized Long Term Care insurance services help clients plan for future healthcare needs while protecting financial assets. We provide customized policy comparisons, benefit structure analysis, and eligibility guidance. Certified advisors work one-on-one to explain coverage options for home care, assisted living, and skilled nursing facilities, ensuring clients make informed decisions about their long-term security.

Commercial Insurance

We offer tailored commercial insurance solutions for Connecticut businesses, including property, liability, and workers' compensation coverage. Our services help protect companies from financial risks associated with property damage, lawsuits, and operational disruptions. We work with multiple carriers to find cost-effective solutions for small to mid-sized businesses across various industries.

Home Insurance

We provide personalized homeowners insurance policies covering property damage, personal liability, and additional living expenses. Our services include risk assessment for fire, theft, and natural disasters, along with policy customization for specific home features. We help clients understand coverage limits, deductibles, and available discounts to ensure adequate protection for their primary residence.

Life Insurance

We offer term and permanent life insurance solutions to protect families and businesses from financial hardship. Our services include policy comparisons, coverage amount calculations, and underwriting guidance. We help clients understand policy features like death benefits, cash value accumulation, and premium structures, ensuring alignment with long-term financial goals and family needs.

People

Steven P. Cudgma

President

Steven Cudgma holds a Bachelor's in Horticulture from UCONN and licenses for Life, Health, and Property insurance in Connecticut. With 10+ years in Medicare consulting and a background in retail/advertising, he serves as President of the Shoreline Eldercare Alliance and Branford Youth Missions. A member of First Congregational Church of Branford, he has directed local youth mission trips and theater productions.

Questions

What insurance products do you specialize in?

We specialize in Medicare plans, Long Term Care, Health Insurance, Homeowners policies, Commercial coverage, and Life Insurance across Connecticut.

Can I get help comparing insurance plans?

Yes, we offer personalized plan comparisons and detailed explanations of coverage options for all our products.

Are you affiliated with major insurance carriers?

We work with all major carriers including AccessHealth CT to provide comprehensive options for our clients.

Do you offer Medicare guidance?

Yes, Steve Cudgma is CMS-certified to present Medicare products and provides expert assistance with plan selection.

What areas do you serve?

We serve clients throughout Connecticut with office locations in Branford, Guilford, and Madison.

Can I schedule a consultation?

Yes, we offer free consultations via phone, mobile appointment, or in-office meetings at 556 Main Street, Branford.

Reviews (4)

Write a Review

Jeanne Crowley

Oct 21, 2021 Report

Now that weve reached Medicare age, we were incredibly confused and overwhelmed by the various Medicare options and plans - what a blessing to talk with Steve, who made sense out of all of it ,explained everything so clearly, and did it all with such kindness, good humor and the most warm and affable personality:) We breathed a sigh of relief and left his beautiful office feeling we had been given the gift of a fabulous guide:) HIGHLY RECOMMEND talking with this !wonderful gentleman!!! And did I mention his Medicare advice services are free???? AMAZING!!!

Jason Barcomb

Sep 18, 2021 Report

Steve was very helpful and informative regarding AccessHealthCT marketplace insurance. Has a wealth of knowledge in the insurance industry. Very responsive to calls and emails. Highly recommended!

Nancy J.

Mar 01, 2021 Report

Excellent service. Steve is very thorough and has full understanding of all the insurance products available and which are the best fit for your needs. Highly recommend this agency!

Jerome Gisondi

Mar 01, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
It's a pleasure working with Steve. He's very prompt in providing information and is willing to go the extra mile to search for answers when I've had questions / concerns. I've always felt very comfortable with his responses to my questions and I would highly recommend Shoreline Insurance Services, Inc. to anyone.