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Is life insurance premium financing right for you? Life insurance premium financing is not free life insurance. By itself, this will eliminate 90% of the prospects. The annual out of pocket cost is more than the cost of cheap term insurance. There goes another 90%, leaving a legitimate population of 2-3% of all prospects who […]
Genworth Deal: No Relief for Agents, Policyholders The Long Term Care Insurance market is difficult for insurance companies to accurately forecast. Therefore, we urge our clients to buy long term care coverage with guarantees. There are many new products that, most importantly, combine life insurance and long term care. As a result, for people who need […]
Lower the Cost of Your Life Insurance and Protect Your Heirs the Way You Intended: Until now, life insurance buyers did not have an option to structure the payment of the policy’s proceeds to their beneficiaries. All that has changed – now you have the control to design the payout exactly as you want them […]
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Advertising & Marketing 101 If you stop to think about it, when was the last time you saw a life insurance company target an event like the NCAA tournament, the Super Bowl or the Masters (each is their target audience) with ads about the virtues of buying annuities, or life insurance, or any of their […]
“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
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.
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 how inexpensive term insurance really is to own. Once you engage with a professional to start the process, a robust discussion will usually follow about “how much” coverage do you […]