Indexed Annuitiy: A $200 Billion Market

9 months ago Ted Bernstein 0
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 Read More

Permanent Life Insurance Has Much Lower Net Cost.

9 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

10 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

The Value of Life Insurance While Alive

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 Please contact Ted Bernstein at 561-869-4500 or email me about a complementary consultation including indexed annuities and a review of your coverage. You can visit us at www.facebook.com/lifecycleplanners 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

Annuities & Disappearing Surrender Charges

1 year ago Ted Bernstein 0
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 Read More

Power of Indexed Annuities

1 year ago Ted Bernstein 0
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. 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