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

Hurricane Season Wrap up – What we know
Comprehensive Coverage / Home Insurance / Protecting Assets October 23, 2018

Hurricane Season Wrap up – What we know

Up north, with the early season cold weather, hurricane season is coming to a close. Florence and Michael were 2 more devastating weather events that thankfully did not land in the tristate area. So what do we really know? What have we learned about hurricanes? I recently read “Inevitable Disaster” by Roy Spenser, PhD, a [...] Read More
Suitability-Client Advisor Warning #3 – Universal Life
Life Insurance October 23, 2018

Suitability-Client Advisor Warning #3 – Universal Life

It was 1978 when Universal Life (UL) hit the streets as an option for permanent life insurance. UL was dubbed the consumer version of permanent life insurance because it disclosed the policy expense factor, the mortality cost, and the credited interest rate. With a slow start UL contracts started churning when treasury rates peaked >14% [...] Read More
Suitability-Guidance Protocol for Client Advisors #2 – Whole Life
Life Insurance October 16, 2018

Suitability-Guidance Protocol for Client Advisors #2 – Whole Life

The two most significant challenge in determining the right product to meet a life insurance need is “how long”. In advising highly successful insurance buyers on preserving an estate, or an organized asset transfer, the policy type typically used, is a permanent life policy. So as an alternative to Term Insurance policy that runs out, [...] Read More
Kids back to school? Time to give extra attention to your home.
Comprehensive Coverage / Home Insurance / Protecting Assets October 15, 2018

Kids back to school? Time to give extra attention to your home.

If your kids are back in school it's a great time to give attention to personal insurance, especially with your home. Whether you consider your exposure issues surrounding extreme weather patterns, or how those storms are affecting property rates, with the kids back in school and fall weather in full swing, it is an ideal [...] Read More
Suitability-Guidance Protocol for Client Advisors #1
Life Insurance October 9, 2018

Suitability-Guidance Protocol for Client Advisors #1

Life insurance continues to be the most useful and efficient tool in wealth preservation and asset transfer, but with so many different types how do you assist your client when they are trying to make the proper selection of policy type. Over the next 5 blog posts we will examine and identify the different options [...] Read More
Prolonged Low Interest Rates – How does it impact Permanent Life Insurance Policies?
Life Insurance October 2, 2018

Prolonged Low Interest Rates – How does it impact Permanent Life Insurance Policies?

For nearly 30 years interest rates were on the decline, and that decline has had a significant impact on the performance of permanent life insurance policies. In addition Financial Accounting Standard Board (FASB) rules for Life Insurance companies further complicates investment results as we look forward. Many years ago, to add a measure of financial [...] Read More