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

Category: Opinion


Ten Basic Tenants of Fireworks
Opinion June 25, 2018

Ten Basic Tenants of Fireworks

In that fireworks disasters cause on average 18,000 fires each year, and nearly $43m in property damage, a few pointers on setting off fireworks: set off only by an adult always sober 15 to 20 feet away at ignition use eye protection use only legal fireworks, illegal are a problem in an accident away from [...] Read More
Focus on the Term(s)
Life Insurance / Opinion / Protecting Assets / Retirement Planning February 13, 2018

Focus on the Term(s)

Managing the policy conditions of a “Term” life policy would seem to be relatively straight forward. The Term is the number of years the policy is inforce with a level premium. It can be 10, 15, 20, or 30 years. So during those years as long as the premium is paid on time, or within [...] Read More
Lapse Traps – Keeping Life Coverage in Force!!!
Life Insurance / Opinion / Protecting Assets / Retirement Planning February 6, 2018

Lapse Traps – Keeping Life Coverage in Force!!!

The normal thought to keeping Life Insurance coverage in force so the benefit is paid when the insured dies, is to “pay the premium” when due. But it can be much more complicated than just paying the premium. Certainly, if you have a term policy with temporary coverage, prompt payments are the simple solution. Your [...] Read More
A Better Understanding of Life Insurance Held in a Trust
Life Insurance / Opinion / Protecting Assets / Retirement Planning January 23, 2018

A Better Understanding of Life Insurance Held in a Trust

A Better Understanding of Life Insurance Held in a Trust. Even with the new revisions to Federal Estate taxes, Trusts funded with Life insurance will continue to be a popular planning tool. Whether you focus on the sunset clause of the revisions in 2025, or the fact that most individual states still levy estate taxes, [...] Read More
Natural Disasters – The ultimate test for Insurance & a guide for the future
Comprehensive Coverage / Home Insurance / Opinion / Protecting Assets October 17, 2017

Natural Disasters – The ultimate test for Insurance & a guide for the future

We have unfortunately been hypnotized watching Harvey, Irma, and now Napa wildfires inflict catastrophic damage to helpless property owners. The disruption and the emotional damage are difficult to fathom. It will take years to recover. But these natural disasters are a test, the ultimate test of whether an insurance agent did a good job of [...] Read More
One Agents Opinion – Irma will bankrupt micro Florida Insurers
Home Insurance / Navigating Coastal Coverage / Opinion / Protecting Assets September 7, 2017

One Agents Opinion – Irma will bankrupt micro Florida Insurers

On the heels of Harvey exposing Houston to the need for Flood insurance and additionally the inadequacy of the National Flood Insurance Program (NFIP), Irma, heading for Florida may be much worse. If you have insurance with a major insurance company, any wind damage claims from Irma may be slow, but you should get paid. [...] Read More