Tag: buying life insurance

Wealthy People Own Permanent Life Insurance?

High Net Worth (HNW) consumers choose  permanent life insurance for many different reasons: Income Replacement:  It does not matter if your income is $100,000 per year or $1,000,000 per year, the income replacement need is the same. Nor does it matter if you are 35 or 55. If your family depends on your income, life […]

Turn Your Life Insurance Policy Into Cash

Should you sell your life insurance policy? Learn more here.

Term Life Insurance In Danger of Lapsing?

Is your term life insurance lapsing? Do you know when the conversion deadline in your term life insurance policy expires? One of the most critical dates in a term life insurance policy is the conversion deadline. You don’t want the conversion deadline to pass without your consideration. Insurance companies DO NOT notify you as the […]

Permanent Life Insurance Has Much Lower Net Cost.

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 […]

Jumbo Life Insurance Purchase: What You Need To Know

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 […]

A Whole New Look At Life Insurance Advantages.

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 […]

Customized Insurance Policy Lowers Premiums As Much As 45%

FOR IMMEDIATE RELEASE:  July 2017 – Boca Raton, Florida NEW INSTALLMENT PAYOUT OPTION FOR 45% LESS IN ANNUAL PREMIUMS? Life insurance buyers have a new and often better option to protect their beneficiaries. According to Ted Bernstein of Life Cycle Financial Planners, it may the most important choice they have when it comes to providing […]

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 […]

10 Life Insurance Underwriting Tips To Lower Your Costs

Life Insurance Underwriting – Demystifying The Black Box of Underwriting Sex, Drugs and Genetics One of the most effective ways of reducing your cost of life insurance is by improving the rate class or making sure to get the best class possible when buying new coverage. Once you decide to purchase a life insurance policy, the process […]

7 Helpful Tips to Review Life Insurance

Life Insurance Policy Forensics Follow the 7 helpful tips to review life insurance coverage below and you will either improve it or have confirmation that the policy is appropriate. It makes sense to review all insurance coverage every two years. Done this way, each type of insurance should take no more than 15 minutes.  For […]

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