Category: Life Cycle Planning

Wealthy People Own Permanent Life Insurance?

High Net Worth (HNW) consumers choose  permanent life insurance for many different reasons: Income Replacement:  It does not matter if your income is $100,000 per year or $1,000,000 per year, the income replacement need is the same. Nor does it matter if you are 35 or 55. If your family depends on your income, life […]

Disability Income Insurance – Lower Premiums

by Deborah Bernstein A disabling accident occurs every second in the U.S. with many of these accidents qualifying for disability income insurance. What would your family do if your paychecks stopped tomorrow and didn’t resume for several months or longer? What if this became several years? In some cases, social security may help with disability […]

Permanent Life Insurance Has Much Lower Net Cost.

Term Insurance or Permanent Insurance? Which Should You Own? Watch out for the dangers of Term Insurance.   Do you want to provide a guaranteed, tax-free benefit for your family or business, regardless of how long you live? Then you should own Permanent Insurance. The people pushing term insurance use a misleading slogan “buy term […]

“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 planning attention is placed only on the financial aspects. This can lead to unintended consequences for family and business relationships. Most people passing on wealth do so with an expectation that their generosity will be […]

Power of Indexed Annuities

Indexed Annuities are great vehicles to provide guaranteed lifetime income in retirement. You can never lose principal and income is paid for life. Considered by leading economists and retirement centers to be the safest way to create and protect retirement assets, indexed annuities can be 100% liquid from day one.

Customized Insurance Policy Lowers Premiums As Much As 45%

FOR IMMEDIATE RELEASE:  July 2017 – Boca Raton, Florida NEW INSTALLMENT PAYOUT OPTION FOR 45% LESS IN ANNUAL PREMIUMS? Life insurance buyers have a new and often better option to protect their beneficiaries. According to Ted Bernstein of Life Cycle Financial Planners, it may the most important choice they have when it comes to providing […]

10 Life Insurance Underwriting Tips To Lower Your Costs

Life Insurance Underwriting – Demystifying The Black Box of Underwriting Sex, Drugs and Genetics One of the most effective ways of reducing your cost of life insurance is by improving the rate class or making sure to get the best class possible when buying new coverage. Once you decide to purchase a life insurance policy, the process […]

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 someone that received a significant cash payment for a life insurance policy they thought had no value. If you are 65 or older with a life insurance policy you may not need or want any longer, you […]

Today Show: Make your money last with an annuity

  The Today Show this week includes an important recommendation about guaranteed, lifetime income. Although 2016 was a banner year for indexed annuities, we have a long way to go. Too many people do not understand indexed annuities and as a result, they are still measuring their retirement security by the size of their portfolios. […]

Long Term Care Covers More Than You Might Think.

Most people report uncertainty about the definition of claim triggers in their long term care insurance policy. My experience confirms that people want a better understanding about what IS covered and what MAY NOT be covered. You will be surprised about today’s long term care policies and find they DO cover you when you need […]

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