Shepard Insurance Insights
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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Building Advisor Value
Building Advisor Value Is it time for an Audit on Personal Insurance? In these uncertain times, where equity options are challenged and fixed income appears to be a no win choice, it might be helpful if for the short run you change the dialogue, and attempt to add some value to your client relation: "the [...]
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The Inside Track
The Inside Track Controlling Future Home Insurance Costs It used to be said that if you can afford the home, you can afford the insurance. But time and mother nature have put a dent in that old school thinking. Here is why: Current and future insurance rates are being driven by data, mostly claims but [...]
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Watching for a Warning
Watching for a Warning Good intel for the upcoming storm season As we ice skate our way out of Coronavirus, we trundle into the warm weather and the potential of climate driven heavy storms and even the potential of a major event. Preparation and intel can help. Here is how: Being prepared for a severe [...]
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Air Hug – Never going to catch on!
Air Hug - Never going to catch on! It’s very clear that we are living in some trying times with social distancing. But the notion that no one will ever hug or shake hands again is just not going to work. "There is a lot of messaging in a simple hand shake." Here is why: [...]
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Southern Bound
If you are thinking of a move to Florida here are some Tips on Home Locations: The migration of individuals, couples, and families to no tax states like Florida has been ongoing since the passing of the SALT Limitation by Trump. But the decision of selling the family home, and locating to Florida has hit [...]
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