Shepard Insurance Insights
Category: Life Insurance
Biden’s Tax Agenda
Anticipation of Tax Increases is Driving PPLI & PPVA With the Federal Deficit growing at an alarming rate, and with talks of more stimulus, the current discussion to increase taxes on the 1% is becoming more likely to happen. It is relatively clear that taxes will need to grow, and that the growth will come [...]
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Client Alert
Client Alert Understanding the Hard Edge of Guaranteed Universal Life Insurance In February 2020 I wrote a blog post regarding the use of Guaranteed Universal Life insurance. It’s clear that declining interest rates for a prolonged period of time have damaged the Universal Life policies, and the evolution of the damage was GUL - Guaranteed [...]
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Can you trust a GUL policy? Guaranteed Universal Life
"Knowing the details can help you assist your client." Guaranteed Universal Life insurance (GUL) is a policy form that is evolutionary. In the world of permanent insurance products where coverage lasts until death, GUL is the newest version of protection. But is it a good choice? Unlike Term Life insurance where coverage lasts a specified [...]
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Adding Value
Advising client’s on the proper Life Insurance Implementation! Successful individuals and families typically use Life Insurance as a backstop for their financial plans in both the accumulation, career stage, and then the distribution stage. Being well informed on the options will be a big assist for your client. "Each individual implementation should be customized to [...]
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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 [...]
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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 [...]
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