Top 5 Reasons Wealthy People Want Life Insurance

2 days ago Ted Bernstein 0
Wealthy People Want Life Insurance. Do They Need It? Wealthy people, or High Net Worth (HNW) consumers purchase permanent life insurance every day for many reasons. Most people use life insurance for income protection and that is certainly the case for the majority of life insurance purchases. Some, typically younger HNW people are high income Read More

Term Life Insurance Lapsing?

4 months ago Ted Bernstein 0
Is your term life insurance lapsing? Do you know how the conversion deadline in your term life insurance policy works? 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 consideration. Insurance companies DO NOT notify you as the deadline Read More

Wealthy People Buy Permanent Life Insurance

9 months ago Ted Bernstein 0
Term Life Insurance or Permanent Life Insurance (Whole Life)? Can you afford permanent insurance? Most people can’t. Should you buy permanent life insurance? Only you can answer that question. Do you want to provide a tax-free benefit to your wife, children or business upon your death, whenever that may be, no matter what? If you Read More

Jumbo Life Insurance Purchase: What You Need To Know

9 months ago Ted Bernstein 0
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 Read More

The Value of Life Insurance While Alive

12 months ago Ted Bernstein 0 Please contact Ted Bernstein at 561-869-4500 or email me about a complementary consultation including indexed annuities and a review of your coverage. You can visit us at Read More

Customized Insurance Policy Lowers Premiums As Much As 45%

1 year ago Ted Bernstein 0
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 Read More

10 Life Insurance Underwriting Tips To Lower Your Costs

2 years ago Ted Bernstein 0
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 Read More

7 Helpful Tips to Review Life Insurance

2 years ago Ted Bernstein 0
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 Read More