Shepard Insurance Insights
Is the Hedge Big Enough?
At Shepard Insurance Group our total focus is on protecting our client's success. It may be a new entrepreneur building success, or the executive at the end of his or her career. Regardless of the level and stage of success, our objective is to craft the insurance coverage and make our client bullet proof to [...]
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Life Insurance Trusts- 10 reasons why policies should be audited now
Whether you believe the estate tax revisions of 2018 will be permanent or if they will vanish with the sunset clause, ILIT's continue to have significant critical value in addressing asset transfer and legacy plans. However, the ILIT is only as good as the life insurance policy that is funding the trust. Here are the [...]
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Considering a Renovation? Install Leak Detection
It is rare that a home is damaged by fire! What is becoming more common is a water loss from aging piping. A simple leak from a water pipe in the walls or ceiling can cause significant damage. The older your home and plumbing are the more likely you are exposed. If you are in [...]
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Suitability #6 – Variable Life Insurance – Make an Informed Decision
The final type of permanent Life Insurance in the suitability series is Variable Life Insurance. In its simple sense, if a client were looking for permanent life insurance at the lowest cost, Variable Life would never be the best choice. However, if the objective were to build significant cash value, retain some control on the [...]
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Tis the Season- Traveling with Jewelry
The holidays are a busy time of year for travel and it is not unusual for travelers to want to look good, which normally means bringing your jewelry along for the ride. Traveling with jewelry always presents a problem with safeguarding against theft. The more dazzling the piece the bigger the target. The simple answer [...]
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Suitability #5 – Is Indexed Universal Life a Good Choice?
The investment of the cash values that support a permanent Life Insurance policy are vital to the success of the protection. Whether the goal is for a death benefit to be paid sometime in the future, or a methodical transfer of tax deferred legacy assets, the underlying investment should be carefully chosen. Life insurance is [...]
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