About Croft Insurance Services
Independent Medicare & Insurance Guidance in Bedford, VA
Croft Insurance Services, Inc. is an independent insurance agency based in Bedford, Virginia. Since 2004, we have helped individuals, couples, families, and educators make informed decisions about Medicare, health insurance, and retirement coordination.
We are not tied to one insurance company. As an independent Medicare agency in Bedford, we represent multiple insurance organizations and compare coverage options based on fit — not quotas.
When you call our office, you reach a local team committed to clarity, structure, and ongoing service.
Croft Insurance Services Inc.
Our Story
Croft Insurance Services was founded in 2004 by Sue Croft, a Bedford-based insurance broker with a strong background in financial services and retirement planning.
Sue pioneered early Medicare Advantage education in Virginia at a time when many retirees were unsure how new plan structures worked. As local industries changed and retirees faced benefit uncertainty, Croft Insurance Services became a trusted resource for understanding Medicare enrollment, plan comparisons, and long-term coverage decisions.
Over the years, the agency has grown into a team-based practice serving clients throughout Bedford, Lynchburg, Roanoke, Smith Mountain Lake, Martinsville, and surrounding Virginia communities.
Our longevity matters. Many of our clients return year after year for plan reviews, coverage questions, and retirement coordination.
Our Mission
To provide clear, independent Medicare and health insurance guidance that helps individuals and families make informed decisions with confidence.
We are committed to comparing options across multiple carriers, explaining coverage in plain language, and offering ongoing service before, during, and after enrollment. Our goal is to ensure every client understands their choices and feels supported at every stage of the decision-making process.
Our Vision
To be the most trusted independent insurance agency in Bedford and surrounding Virginia communities by delivering structured guidance, long-term support, and ethical plan comparisons.
We envision a community where individuals approach Medicare, health insurance, and retirement decisions with clarity instead of confusion — knowing they have a local office they can return to for help year after year.
Meet Our Founder
Sue Croft
Founder & Insurance Broker
Sue founded Croft Insurance Services in 2004 with a commitment to helping Virginia seniors navigate Medicare clearly and confidently. With a background in financial services and retirement coordination, she built the agency on structured guidance, independent comparison, and long-term client relationships.
Her leadership established a local practice that continues to serve the community with stability and experience.
Watch What our clients say
What Makes Us Different
Local Office in Bedford
We are not a national call center or lead service. You can call or visit our office for help before and after enrollment.
Year-Round Support
We offer health insurance with service. That means assistance with ID cards, billing questions, coverage notices, annual reviews, and plan changes. Our support continues long after enrollment.
Plain-Language Guidance
Insurance terminology can be overwhelming. We explain Medicare, Social Security coordination, enrollment periods, and plan structures in straightforward language so you understand your options clearly.
Specialized Credentials
Our team includes a Registered Social Security Analyst (RSSA), providing structured Social Security claiming reviews for those approaching retirement.
Our Areas of Expertise
We specialize in coordinating insurance and retirement decisions that often intersect:
Medicare Planning
Medicare Advantage, Medicare Supplement, Part D, and enrollment timing guidance.
Health Insurance Under 65
ACA Marketplace plans and individual health insurance for those without employer coverage.
Dual Eligible & Medicaid Coordination
D-SNP and benefit coordination for individuals eligible for both Medicare and Medicaid.
Social Security Analysis
Structured claiming analysis before filing for retirement benefits.
Supplemental Coverage
Dental, vision, life insurance, and long-term care planning.
We help clients understand how these decisions fit together — not just individually.
Our Values
Integrity
We provide recommendations based on fit and structure, not pressure.
Clarity
You should understand your coverage before enrolling.
Service
We remain available before, during, and after enrollment.
Longevity
We have served the Bedford community since 2004 and continue to do so.
Meet Our Team
Behind every plan comparison and enrollment decision is a local team committed to clarity and long-term service.
Croft Insurance Services is a Bedford-based independent agency serving clients throughout Virginia with Medicare, health insurance, and retirement coordination support. Our licensed agents and support staff work together to ensure every client receives structured guidance and year-round assistance.
We believe insurance should come with service — not just enrollment.
Have Medicare Questions? Let’s Talk.
Start With a Conversation
Whether you are new to Medicare, reviewing your current coverage, coordinating retirement benefits, or exploring health insurance options, our Bedford office is available to help.
We do not offer every plan available in your area. We represent seven organizations which offer 64 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
