A new agency. A perspective shaped over generations.
Heirstead is an independent life insurance agency, built by Joshua Dyer in Bluffton, South Carolina — informed by a family history in the insurance industry, but built new, around today's clients.
Independent, but not inexperienced.
Heirstead is a new, independent life insurance agency, built by Joshua Dyer in Bluffton, South Carolina.
That instinct didn't start with Joshua. His family spent decades in the insurance industry, including years with Aflac — careers built around showing up for people during hard moments, not just selling them a policy.
Joshua grew up around that work. It's where the idea that insurance should be a long-term relationship, not a single transaction, actually came from — and it's the standard he built Heirstead to meet, not a company he inherited.
A perspective passed forward — not a corporate history.Read the Family Story →
Led by Joshua Dyer.
Joshua Dyer is a licensed life insurance agent based in Bluffton, South Carolina, and the founder of Heirstead.
There's no call center and no rotating cast of advisors behind the agency — just Joshua, directly, from the first conversation through the strategy that follows.
Licensed Nationwide — serving clients in all 50 states.
I built Heirstead because protecting your family shouldn’t feel complicated, transactional, or overwhelming — it should feel like a partnership, built on trust and honest advice. My family has been in the life insurance business for generations, and that history gave me a lived understanding of why this work matters: I’ve seen firsthand what proper planning means to a family, and what its absence costs them.
What independence actually changes.
Heirstead isn't tied to a single carrier's product line. Every recommendation starts with a client's goals and circumstances, and a solution is chosen — not assigned — to fit them.
That doesn't make Heirstead a fiduciary, and it isn't a promise of guaranteed objectivity — it's a structural choice about how the agency operates, and it's the same structure behind every recommendation Heirstead makes.
Start with a conversation, not a pitch.
Your family's future is worth protecting. Let's build a strategy designed around the life you've created and the legacy you want to leave.
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