Search Results for: living benefits

Catastrophe Insurance For Critical Health Problems says Ted Bernstein Boca Raton
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Catastrophe Insurance For Critical Health Problems says Ted Bernstein Boca Raton

Living Benefits Adds Immediate Protection For Critical & Chronic Health Problems says Ted Bernstein, at no extra cost! Does Your Current Policy Allow You to Take an Advance Against the Face Amount at No Cost? Learn How You Can Get Money From Your Life Insurance Policy. Living Benefits Life Insurance  by Ted Bernstein Boca Raton  Life…

Federal Estate Tax Repeal – Bad For Business
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Federal Estate Tax Repeal – Bad For Business

The life insurance industry let us down when it allowed the estate tax rate to settle at 40% and the lifetime credit (exemption) to  rise to $12MM per couple. The impact is still punishing planners of all stripes. It is time for life insurance companies to step up and commit to national advertising and marketing campaigns to promote the virtues of their…

Lower Your Life Insurance  Premiums With A Smart Hybrid Policy – Protect Your Beneficiaries Better.
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Lower Your Life Insurance Premiums With A Smart Hybrid Policy – Protect Your Beneficiaries Better.

Lower the Cost of Your Life Insurance and Protect Your Heirs the Way You Intended: Until now, life insurance buyers did not have an option to structure the payment of the policy’s proceeds to their beneficiaries. All that has changed – now you have the control to design the payout exactly as you want them…

Retirement Tips & 10 Useful Retirement Terms.
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Retirement Tips & 10 Useful Retirement Terms.

Whether you’re in retirement or getting ready to retire, here are 10 useful retirement tips and terms. Protect Your Nest Egg: Full Retirement Age: Full Retirement Age (FRA) is the age you can receive 100 percent of your Social Security benefit. If you delay, the benefits will increase by 8 percent, up to 70. Spousal…

Compare and Contrast – Income Riders & Annuity Resource
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Compare and Contrast – Income Riders & Annuity Resource

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…

10 Most Common Retirement Threats – Protect Your Nest Egg
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10 Most Common Retirement Threats – Protect Your Nest Egg

Watch out for these common retirement threats to your nest-egg. Follow these risk proof retirement tips: Longevity Risk: Considered by many to be the most dangerous  of all retirement threats as life expectancy continues to increase. To mitigate longevity risk, you want to convert lump-sum retirement assets into guaranteed income streams for life. This retirement threat…

Why Income Annuities Are Better Than Bonds
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Why Income Annuities Are Better Than Bonds

What is the difference between bonds in retirement and annuities? The Wall Street Journal described income annuities as “super bonds”. Within the backdrop of retirement planning, annuities are often compared to bonds and vice versa. They are different. It is important to know their differences in order to appreciate the superior qualities of an income…

ROI = Reliability of Income
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ROI = Reliability of Income

In Retirement, ROI is Reliability of Income. Helping you shift your focus from asset accumulation to guaranteed income will create more security in your retirement plan. Economists, professors and thought leaders all over the world are helping planners and their clients change the dialogue about why sufficient levels of lifetime income are more beneficial and valuable than asset accumulation…

Long Term Care Covers More Than You Might Think.
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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…