Large Life Insurance Policies
Learn the secrets about the best life insurance policies for people buying jumbo life policies and large life insurance policies. Compare the rates to see the difference.
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Estate Planning
When Do People Buy Permanent Life Insurance?
Permanent life insurance provides much better value when you compare its net cost to the net cost of term insurance.
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Jumbo Life Insurance Purchase: What You Need To Know
Among High Net Worth consumers, there is a deep appreciation for permanent life insurance. You want every advantage if you
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“Not My Family!” Strategies To Avoid Wealth Destruction
The objectives of successful wealth transfer planning and inheritance planning are both financial and succession oriented. Too often, all the
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Federal Estate Tax Repeal – Bad For Business
The life insurance industry let us down when it allowed the estate tax rate to settle at 40% and the lifetime credit (exemption)
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Don’t Need or Want Your Existing Life Insurance?
What Is The Market Value Of Your Existing, Inforce Life Insurance Policy? By now, we have all heard stories about
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Life Insurance Premium Financing – Know The Risks.
Is life insurance premium financing right for you? Life insurance premium financing is not free life insurance. By itself, this
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Succession Planning Tips. Easing the Transition of Your Business
Each time a family business successfully transitions from one generation to the next, it is quite an achievement. It
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Life Insurance Without Commission Means 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.
