Life Insurance Without Commission Means Better Value.

2 years ago Ted Bernstein 0
“Bernstein…has introduced what are essentially no-load and low-load policies to the life insurance business…That could mean huge savings for policy buyers.” Forbes “Low-load Life Performs Better For Clients, Companies” National Underwriter people-to-watch-fortune Thirty years ago, I created, designed and introduced permanent life insurance policies without built-in commissions to the U.S. life insurance market. The concept quickly became known by several different names such as “no-load life insurance”, “life insurance without built-in... Read More

How Much Life Insurance Should You Buy?

2 years ago Ted Bernstein 0
Term Insurance Rates Are Remarkably Low! How Much Life Insurance Should You Buy? From Who? It is important for consumers to have a good understanding of how inexpensive term insurance really is to own. Once you engage with a professional to start the process, a robust discussion will usually follow about “how much” coverage do you Read More

What Should You Choose: Time or Money?

2 years ago Ted Bernstein 0
An excellent article in The New York Times Sunday Review  “But when it is a choice, the likelihood of choosing more time over more money — despite the widespread tendency to do the opposite — is a good sign you’ll enjoy the happiness you seek.” Given the choice between more time or more money, which Read More

Is Your Universal Life Insurance Policy Keeping You Awake?

2 years ago Ted Bernstein 0
Is Your Universal Life Insurance Policy Keeping You Awake? Several months ago I began writing about a few life insurance companies that are increasing the insurance rates within certain policies. The highly unusual practice is contractually permissible but RARELY done. Some have started arguing, and suing carriers, suggesting it is not legal. I helped the Read More