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How Long Should Your Life Insurance Policy Last? What You Need To Know.
The best life insurance is coverage that lasts for life with accelerated benefits.
Articles | Estate Planning | Life Insurance | life insurance without commissions | News | no load life insurance | Ted Bernstein | Useful Tips & Information
When Does Life Insurance Without Commission Mean Better Value?
“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
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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.
Accelerated Benefits Turn Life Insurance Into Emergency Health Fund.
Life insurance with Living Benefits creates an emergency health fund by allowing you to take an advance against the face value. Learn more.
Deborah Bernstein | Indexed Annuities | News | Retirement Planning | Ted Bernstein | Useful Tips & Information
Retirement Tips & 10 Useful Retirement Terms.
Whether you’re in retirement or getting ready to retire, here are 10 useful retirement tips and terms. Protect Your Nest Egg: Full Retirement Age: Full…
Ken Fisher Hates Annuities? Pros and Cons + The Truth
Does Ken Fisher hate annuities? If Ken Fisher is against guaranteed, lifetime income in retirement, then maybe Ken Fisher hates annuities. Read the annuities pros…
Articles | Guaranteed Income Solutions | Indexed Annuities | Life Insurance | life insurance without commissions | News | Retirement Planning | Ted Bernstein
Life Insurance Industry Must Do Better Controlling The Important Conversations.
Can you recall any life insurance company campaigns targeting consumers directly about the value and virtues of their core products? Have you ever seen these…