Call: 203-637-6655 or email – Kyle Shepard

Category: Life Insurance


Four Things Your Client Wants from their Insurance Professional
Life Insurance / Retirement Planning June 11, 2019

Four Things Your Client Wants from their Insurance Professional

Are they getting it? At Shepard Insurance Group we routinely are asked by Wealth Managers and Investment Professionals to provide a "Second Opinion" on their client’s insurance protection as a value added effort. By a large percentage we routinely find two issues. Clients do not have appropriate coverage for their individual needs, and many are [...] Read More
Poor Insurance Coverage is Worse than a 25% Market Correction!
Life Insurance / Retirement Planning May 21, 2019

Poor Insurance Coverage is Worse than a 25% Market Correction!

Personal insurance coverages come with limits, terms, and then conditions that are critical components in being protected in the event of a claim. Periodic audit of personal insurance coverage is vital to being sure that coverage is appropriate for any claim. WHEN WAS YOUR LAST INSURANCE AUDIT? A full audit of a successful individual or [...] Read More
Special Needs- Leverage from the Grandparents
Life Insurance April 30, 2019

Special Needs- Leverage from the Grandparents

Over time our engagement in creating a plan for a child with special needs has become a more frequent occasion.  Statistics now report that one in seven children born, will have special needs requiring added lifetime support for education, healthcare and more. It is a very complex discussion. First, a special needs child born to [...] Read More
Do Trustees Need Liability Protection??
Life Insurance March 26, 2019

Do Trustees Need Liability Protection??

In every Trust that is executed, the designated Trustee holds the important responsibility of fulfilling the written intentions of the Grantor in the Trust. The scope of duties both before and after death can be daunting, especially when dealing with beneficiary expectations. A possible solution Whether basic administration, Asset Protection or Distribution of Trust assets, [...] Read More
Indexed Life Insurance- Is it the right fit?
Life Insurance February 20, 2019

Indexed Life Insurance- Is it the right fit?

There are many versions of permanent life insurance to choose from. The traditional permanent policy has always been what is referred to as Whole Life, built on a foundation of strong guarantees with the investments primarily in Fixed Income. But the long period of declining (and now rising) interest rates have spawned a number of [...] Read More
Premium Financed Life Insurance and Rising Interest Rates
Life Insurance February 5, 2019

Premium Financed Life Insurance and Rising Interest Rates

An old age axiom on success is OPM, using "Other People's Money" to achieve your financial success. That axiom is used in life insurance by doubling down on the leverage of life insurance by borrowing funds to pay the premiums. In a low interest rate environment, this can be an attractive financing tool. But what [...] Read More