Life Insurance Without Built-in Commissions


“Bernstein…has introduced what are essentially no-load and low-load policies to the life insurance business…That could mean huge savings for policy buyers.” Forbes
“Low-load Life Performs Better For Clients, Companies” National Underwriter


Thirty years ago, I created, designed and introduced permanent life insurance policies without built-in commissions to the U.S. life insurance market. The concept quickly became known by several different names such as “no-load life insurance”, “life insurance without built-in commissions” and “fee-based” life insurance. Simple and straight-forward, it was well ahead of its time and perceived to be very disruptive in the distribution system of life insurance. We created life insurance products that eliminated the traditional selling costs that were historically priced into life insurance policies. The first year commissions (often 100%-200%), renewal commissions (totaling another 100%), overrides, expense reimbursements and numerous others were ALL eliminated from the pricing of the products I introduced to the market. The impact can be seen as better performance, lower premiums, immediate cash surrender value and complete transparency.

The Incredible Value of Life Insurance – Nothing Else Can Do This…


As September is Life Insurance Awareness Month, this is a great testament to the value of how life insurance protects us. We offer state of the art solutions that are customized to meet your specific goals and objectives. Let us help you minimize your premiums and maximize the value of your coverage. Please call me at 561-869-4500 or email me at


Insurance Industry Must Do Better.

Life Insurance Advertising and Marketing

Advertising & Marketing 101 If you stop to think about it, when was the last time you saw a life insurance company target an event like the NCAA tournament, the Super Bowl or the Masters (each is their target audience) with ads about the virtues of buying annuities, or life insurance, or any of their core products? What if Apple …

Put a Safety Net Under Your Retirement Assets

Protect Your Retirement Assets From Loss

Guaranteed Income + Liquidity is finally being recognized as a powerful combination for retirement security. Lifetime income hedges away longevity risk and liquidity of assets ensures flexibility with the ability to maneuver when necessary. It is more important than ever for people to understand the difference between asset accumulation in retirement versus guaranteed, lifetime income streams. Until now, the primary goal …

Does Your Retirement Plan Provide You With Enough Guaranteed Lifetime Income?


With interest rates at historic lows and people living longer, guaranteed lifetime income is critical to a secure retirement plan.  I recently wrote an article about Longevity Risk in a column I write for the Boca Raton Tribune about Life Cycle Financial Planning. It is just as relevant today. “A lack of awareness and understanding about guaranteed income solutions is keeping an alarming …

Women Face Unique Threats In Retirement – CNBC’s Epperson On Why Annuity Should Be Part Of Plan

A big part of our practice is focused on helping women create security for themselves, their families and their retirement. At our educational events about retirement enlightenment, I spend a good amount of time discussing the challenges single women face as well as married women who are more likely to spend several years in retirement without their spouse. A common concern …