About Us

Helping You Protect What Matters Most

Joshua Dyer is the founder of Heirstead and a third-generation insurance professional with more than 10 years of experience. He helps individuals, families, and business owners protect what they’ve built through clear, personalized life insurance and retirement strategies designed for long-term security and legacy.

Joshua Dyer

Why Work With an Independent Broker?

Your Advocate in Insurance

As independent insurance brokers we work for you - not the insurance companies. We are not tied to any single carrier, which means our focus is always on finding the right solution for your needs and budget.

We use advanced quoting and underwriting software to compare multiple highly-rated carriers based on your health profile financial goals, and coverage needs. This allows us to match you with options designed to protect your family at a price you can comfortably afford.

What We Offer

IUL - Indexed Universal Life

Indexed Universal Life (IUL) insurance offers flexible coverage with customizable benefits and tax-free cash value growth with investment options, providing protection for loved ones and potential tax-free income based on your financial goals.

Mortgage Protection

Mortgage protection insurance helps you pay off your home loan if you pass away or become disabled, so your family stays secure. It gives peace of mind knowing your biggest debt won’t become a burden to loved ones.

Term Insurance

Term life insurance offers straightforward, affordable coverage for a set period, providing a death benefit to your beneficiaries if you pass away during the term, ensuring financial protection for your loved ones and peace of mind for you.

Final Expense Insurance

Final expense insurance provides affordable guaranteed whole life coverage designed to cover funeral costs and other end-of-life expenses, ensuring that your loved ones are not burdened with these costs after your passing.

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