1909 Hinson Loop Road, Suite 102
Little Rock / 954.8100
After excelling in life insurance sales for 33 years, Shon Woodiel embraced the opportunity to become an expert in individual health insurance after the Affordable Care Act was enacted in 2014. Shon is a master in assisting individuals with enrollment in the Federal Marketplace and the Private Option and his services are provided at no additional charge.
Born and raised in DeWitt, Arkansas, where his parents and one brother still live, he attended Arkansas State University in Jonesboro, graduating in 1981. He is a key member of the team at The Robbi Davis Agency in Little Rock, and his daughter is a licensed cosmetologist in Mountain Home.
Years in the business: I’ve spent 33 years in the insurance business, all here in Arkansas.
How can insurance cover inheritance tax for my children? Estate planning can be very complex. If your estate value at your death is above the federal estate tax limit, you should absolutely make sure that you have enough life insurance to cover this obligation to the federal government. Many people may have a large net worth on a personal financial statement but very little in cash assets or assets that are easily convertible to cash.
I have seen so many cases through the years where someone did not properly plan for the federal estate tax liability and then large portions of the estate value and assets are lost to their heirs or beneficiaries because of federal estate taxes. People should always consult an attorney to advise them on setting up a trust, because they can minimize probate costs and federal estate tax costs by doing so.
What type of coverage do consumers often forget to purchase? With all of the focus nationally on healthcare today, many people overlook their need for disability insurance and life insurance.
Is it better to have a high insurance premium and low deductible or vice versa? People’s deductible is very important in their insurance plan, however your premium or cost is the most important aspect. Clients can have the greatest health plan available with the lowest deductible, but they MUST be able to afford it.
How often should coverage be reviewed? Coverage should be reviewed at a minimum annually but certainly should be reviewed anytime that you have a change in income or your needs change.
What makes your customer service outstanding? The commitment every day to the client. This means sometimes staying at the office after hours or coming to office on weekends to accommodate the schedule of the client. Everyone claims to provide great customer service, but the true measure of one’s customer service is in the referrals that you receive from your existing clients.
What are the most important factors to consider when choosing a life insurance company? The financial integrity of the company is paramount. Also consider the products and product features that they offer
Who is your mentor? My parents. They raised me in a positive, loving environment and encouraged me to succeed but to always be grateful.
What does a typical day look like? A typical day is arriving at our office around 7:45 a.m. I spend a great deal of time on the phone and online submitting health insurance applications, as well as responding to emails. Because of our long history and vast experience at The Robbi Davis Agency, Inc. with healthcare, I do have a heavy volume of calls and emails each day.
Should readers know anything else? The insurance industry has obviously seen monumental changes in recent years with the passage of the Affordable Care Act. No matter how savvy people may think they are, they should always seek the assistance of a seasoned professional.
Neighborhood: Chenal Valley
Favorite food: Lobster, crab legs, fresh seafood
Favorite lunch spot: Trio’s
Two things you like to do outside the office: Travel and cooking
Favorite show to binge watch: Emeril Lagasse/ “Emeril Live”
Favorite genre of music: Pop and country music
Dream vacation: Southern Caribbean cruise aboard the Queen Elizabeth II