Category: News

Is The Estate Tax Going Up?

Confused about the changing estate tax? We can help you plan.

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 […]

Turn Your Life Insurance Policy Into Cash

Should you sell your life insurance policy? Learn more here.

Selling Un-Needed Life Insurance Gains Acceptance

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 […]

Ted Bernstein CBS Interview

Ted Bernstein CBS interview with David Weir. The interview focused on several of the innovations Ted has introduced to the life insurance industry. For more information about Ted Bernstein and Life Cycle Planners, click here.  Please email me at Ted Bernstein or call me at 561-869-4500. Visit us at Life Cycle Planners in Boca Raton, Florida. […]

10 Must Know Retirement Terms & Tips

As you are getting ready to retire or build your plan, it will be helpful to know these retirement terms and tips. Planning for this exciting chapter of your life is all about making informed decisions that will impact your financial security. Below are 10 essential retirement terms: Full Retirement Age: Full Retirement Age (FRA) […]

Simple Tips For Successful Inheritances & Wealth Transfer

Learn these simple tips for Successful Inheritances. Help your heirs hold on to their inheritances and keep your family intact. Giving while living is ideal but that oftentimes is not possible. Wealth transference can be complex and gut wrenching for some. Without careful planning, conditions can end up ripe for wealth destruction. Wealth will transfer, just […]

Indexed Annuitiy: A $200 Billion Market

Should you have a portion of your retirement assets in an indexed annuity? There is a great deal of information about how to allocate retirement assets. A fixed indexed annuity offers upside with virtually no downside. If you want to create an income stream that is guaranteed for life, an indexed annuity may be the […]

A Whole New Look At Life Insurance Advantages.

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 […]

Annuities & Disappearing Surrender Charges

Surrender charges on fee-based variable annuities seem to be retreating faster than the polar ice caps, new filings reveal. “These advisor-sold contracts typically have no surrender or a very short surrender (period) with very low penalties,” said Kevin Loffredi, senior product manager, annuity solutions, for Morningstar. Surrender charges penalize an annuity contract holder for canceling […]

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