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Wealthy People Own Permanent Life Insurance?

2 months ago Ted Bernstein 0
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 Read More

Life Insurance Policy Review

7 months ago Ted Bernstein 0
Life Insurance Policy Review & Monitoring   A life insurance policy review is strongly recommended every two years. For many life insurance buyers, an objective and impartial advocate always proves to be invaluable. For individuals, families or businesses, you can navigate the life insurance world with the comfort of an impartial professional. Transparency and disclosure is Read More

Selling Un-Needed Life Insurance Gains Acceptance

7 months ago Ted Bernstein 0
Selling un-needed life insurance policies in the secondary market is now considered mainstream. It is a noteworthy development when class action lawsuits against life insurance companies are brought by policyholders. Should you sell an un-needed  or unwanted life insurance policy? Most qualified sellers are happy to learn about the benefits of selling their policy in the Read More

Permanent Life Insurance Has Much Lower Net Cost.

11 months ago Ted Bernstein 0
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 Read More

Jumbo Life Insurance Purchase: What You Need To Know

11 months ago Ted Bernstein 0
Among High Net Worth consumers, there is a deep appreciation for permanent life insurance. You want every advantage if you currently own or may be considering a jumbo life insurance policy. The underwriting class is major factor in the pricing for: jumbo term insurance jumbo whole life policy or permanent life insurance. Getting the best underwriting Read More

A Whole New Look At Life Insurance Advantages.

1 year ago Ted Bernstein 0
https://money.usnews.com/money/personal-finance/family-finance/articles/2017-07-27/3-ways-to-use-life-insurance-while-youre-still-alive?sf74224675=1 It used to be that life insurance only provided benefits to your beneficiaries. Like everything else, innovation has made life insurance far more valuable than ever before. Now you can tap the face amount of your policy if you have a health crisis. Think of it as an unfunded savings account. You could have Read More

“Not My Family!” Strategies To Avoid Wealth Destruction

1 year ago Ted Bernstein 0
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 Read More

Customized Insurance Policy Lowers Premiums As Much As 45%

1 year ago Ted Bernstein 0
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 Read More