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

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
Displacement- How are you covered?
Comprehensive Coverage / Home Insurance / Protecting Assets February 19, 2019

Displacement- How are you covered?

It is routine in New York City with high rises that they experience water damage from a leaky toilet or a gusher from a neighbor doing renovations. The resulting damage from above can stretch from minor aggravation to having to move out of your property while the repairs are completed. It is of little surprise [...] 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
Cold Weather = Frozen Pipes
Comprehensive Coverage / Home Insurance / Protecting Assets January 29, 2019

Cold Weather = Frozen Pipes

January and February are typically the months with the coldest temperatures across the United States. When a cold snap occurs pipes freeze and burst. Frozen pipes are the most common and destructive causes of water damage. Even a small leak can cause extensive damage if undetected for a few hours. To avoid a frozen pipe [...] Read More
Global Warming – Our Little Obsession
Comprehensive Coverage / Home Insurance / Protecting Assets January 28, 2019

Global Warming – Our Little Obsession

It is understandable being coastal that we at Shepard Insurance work diligently to be experts on water damage losses, flood zones , and then flood insurance coverage. Some may call it a bit of an obsession. Did you know that water levels in Connecticut have risen by five inches since 1964? There is more- The [...] Read More
Hidden Exposures for Luxury Owners
Comprehensive Coverage / Home Insurance / Protecting Assets January 21, 2019

Hidden Exposures for Luxury Owners

New York City is home to many luxury town homes, co-ops and condominiums. What has been a relatively simple insurance choice to insure these properties has become a more complicated decision with the significant increase in water damage claims. What is the issue? In a world with Global Warming where coastal properties face a growing [...] Read More