Life Insurance Premium Financing – Know The Risks.

Is life insurance premium financing right for you? Life insurance premium financing is not free life insurance. By itself, this

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40% Lower Annual Premiums With Smarter Hybrid Policy – Life Cycle Planning

Lower the Cost of Your Life Insurance and Protect Your Heirs the Way You Intended: Until now, life insurance buyers

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Newsletter

May Newsletter – Click Here April Newsletter – Click Here March Newsletter – Click Here NEWSLETTER – Click Here Please

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Life Insurance Industry Must Do Better Controlling The Important Conversations.

  Can you remember a life insurance company ad campaign targeting the LPGA, The Masters, The World Cup or the

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Life Insurance Without Commission Means 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

people-to-watch-fortune

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.

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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

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