Compare and Contrast – Income Riders & Annuity Resource

11 months ago Ted Bernstein 0
Below you will find some of the better articles about annuity income riders and variable annuities. Author(s) Article Publication Date Bauer, Kling and Russ A universal pricing framework for guaranteed minimum benefits in variable annuities ASTIN Bulletin 2008 Benartzi & Thaler Annuitization puzzles Journal of Economic Perspectives 2011 Blanchett Optimal portfolio allocations with GMWB annuities Read More

Simple Tips For Successful Inheritances & Wealth Transfer

11 months ago Ted Bernstein 0
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 Read More

Indexed Annuitiy: A $200 Billion Market

1 year 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.

1 year 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

1 year 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

Annuities & Disappearing Surrender Charges

2 years 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

2 years 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