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

Insuring teenage drivers
Protecting Assets October 19, 2016

Insuring teenage drivers

I get several calls a year from concerned parents of teenage drivers. For good reason, picture a teenager behind the wheel and liability comes to mind.

Read More
Irrevocable Life Insurance Trusts: Take control
Life Insurance October 8, 2016

Irrevocable Life Insurance Trusts: Take control

The utilization of an Irrevocable Life Insurance trust continues to be the most basic tool to shelter benefits and to leverage against the confiscation of taxes on estates, both at the federal and state levels.

Read More
Insuring your Florida home
Navigating Coastal Coverage October 6, 2016

Insuring your Florida home

With Matthew serving as the season’s inaugural hurricane wreaking havoc on Florida, the insurance infrastructure is set to be tested. It calls to mind an insurance proposal that I recently reviewed.

Read More
Flood Insurance: This is not going well!
Navigating Coastal Coverage October 3, 2016

Flood Insurance: This is not going well!

I recently read an interesting article in the local paper about the Community Rating System (CRS) for the National Flood Insurance Program (NFIP). It is a floodplain (zone) management initiative in which communities can earn up to a 45% reduction in flood insurance premiums, if they exceed the minimum flood protection standards of the National Flood Insurance Plan.

Read More
Long-term care solutions
Retirement Planning October 1, 2016

Long-term care solutions

We are of the opinion that there is no consensus solution to the health care distribution and cost issue. Equally troubling is the rapid expense growth of the cost and the number of people needing Long Term care.

Read More
Guaranteed Life Insurance Policies – solid option?
Life Insurance September 16, 2016

Guaranteed Life Insurance Policies – solid option?

The life insurance landscape is ever changing, which complicates policy decisions. The latest trend is a permanent policy featuring a guaranteed death benefit, or “secondary guarantee.” These are often issued at a lower premium.

Read More