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What Is Our Single-Most Important Concern About Your Retirement?
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Articles | Estate Planning | Life Insurance | life insurance without commissions | News | no load life insurance | Ted Bernstein | Useful Tips & Information
When Does Life Insurance Without Commission Mean Better Value?
“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
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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 commissions” and “fee-based” life insurance. Simple and straight-forward, it was well ahead of its time and perceived to be very disruptive in the distribution system of life insurance. We created life insurance products that eliminated the traditional selling costs that were historically priced into life insurance policies. The first year commissions (often 100%-200%), renewal commissions (totaling another 100%), overrides, expense reimbursements and numerous others were ALL eliminated from the pricing of the products I introduced to the market. The impact can be seen as better performance, lower premiums, immediate cash surrender value and complete transparency.

Today Show: Make your money last with an annuity
The Today Show this week includes an important recommendation about guaranteed, lifetime income. Although 2016 was a banner year for indexed annuities, we have…

Does Your Retirement Plan Provide You With Enough Guaranteed Lifetime Income?
With interest rates at historic lows and people living longer, guaranteed lifetime income is critical to a secure retirement plan. I recently wrote an article about…

Ken Fisher Hates Annuities? Pros and Cons + The Truth
Does Ken Fisher hate annuities? If Ken Fisher is against guaranteed, lifetime income in retirement, then maybe Ken Fisher hates annuities. Read the annuities pros…

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…