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Guaranteed Income Solutions | Indexed Annuities | News | Retirement Planning | Useful Tips & Information
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…

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.
Women Face Unique Threats In Retirement – CNBC’s Epperson On Why Annuity Should Be Part Of A Plan
A big part of our practice is dedicated to helping women create retirement security. We discuss the challenges facing many single women face planning for…
Beware of Bad Financial Advice.
Beware of bad financial advice from your friends and family https://t.co/h5zoIuf6SF — dnason (@dnason) November 7, 2016 Also published on Medium.

Estate Planning | Life Cycle Planning | Life Insurance | life insurance review | News | Retirement Planning | Useful Tips & Information
Don’t Need or Don’t Want An Existing Life Insurance Policy?
Do You Know The Market Value Of Your Existing, Inforce Life Insurance Policy? Every day, people are receiving significant cash payments for unwanted or unneeded…

How Much Life Insurance Should You Buy?
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…