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Wealthy People Own Permanent Life Insurance?

4 months ago Ted Bernstein 0
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 Read More

Term Life Insurance In Danger of Lapsing?

8 months ago Ted Bernstein 0
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 Read More

Permanent Life Insurance Has Much Lower Net Cost.

1 year ago Ted Bernstein 0
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 Read More

Jumbo Life Insurance Purchase: What You Need To Know

1 year 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

A Whole New Look At Life Insurance Advantages.

1 year ago Ted Bernstein 0
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 Read More

Customized Insurance Policy Lowers Premiums As Much As 45%

2 years 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