Bluffton, South Carolina
Protection for today.
A strategy for everything ahead.
Life insurance, financial planning, and retirement strategies designed to protect the people you love and prepare for what comes next.
An independent agency, built around your goals.
Heirstead is an independent life insurance agency, led by Joshua Dyer, a licensed agent based in Bluffton, South Carolina.
Independence means every recommendation starts with your family's actual situation — not a single company's product line, and not a script.
A perspective passed forward — not a corporate history.
Heirstead is an independent agency built by Joshua Dyer. But the perspective behind it isn't new. It grew out of a family with a genuine, multigenerational history in the insurance industry — real careers spent helping people through hard moments and learning firsthand what proper planning is actually worth.
That perspective, not a company timeline, is what shaped how Heirstead approaches every family it works with today.
Read the Family Story →Families, business owners, and individuals planning ahead.
Whether you're building a foundation for a young family, protecting a business you've spent years building, or preparing for retirement and the next generation, Heirstead exists to help you turn a plan into something real.
Six areas. One coordinated approach.
From protection and retirement planning to business and legacy needs, each area is considered in the context of the bigger picture.
Life Insurance
Term, whole life, and indexed universal life — matched to your family's long-term goals.
Mortgage Protection
Coverage designed to pay off your remaining mortgage balance so your family can stay in their home.
Retirement Planning
Strategies to help plan for income and stability after your working years, built around your goals and timeline.
Wealth Management
Planning built around larger estates and more complex financial pictures.
Business Owners
Buy-sell and key-person coverage designed to protect what you've built.
Legacy Planning
Coordinating life insurance, beneficiary designations, and legacy strategy so your assets and values pass to the people who matter most.
A single point of accountability.
Heirstead is led by Joshua Dyer, a licensed life insurance agent based in Bluffton, South Carolina — not a call center, not a rotating pool of advisors.
Licensed Nationwide
Licensed to serve clients in all 50 states.
Truly Independent
Every recommendation is built around your situation, not a single company's product line.
One Point of Contact
The person who builds your strategy is the same person who stands behind it.
Independent by design.
An independent approach gives Heirstead room to start with your goals and evaluate solutions without being tied to a single carrier's product line.
Independent Guidance
Recommendations begin with your situation rather than a single carrier's product lineup.
Client-First Structure
Every strategy starts with your goals and circumstances rather than a predetermined product.
Plain-Language Advice
We explain what you're considering, why it may fit, and what the next step looks like.
Let's talk about protecting what you've built.
Whether you're protecting a family, a business, or the future you've worked toward, the next step starts with a conversation.
Schedule Your Consultation →Reaching out on behalf of a carrier, business, or organization? info@heirstead.io · (843) 247-9512