Choose a financial professional who is conservative, experienced, knowledgeable and committed to service. We guide and help families, individuals and business owners with:
Annuities – guaranteed income solutions.
Wealth transfer and inheritance planning.
Life insurance solutions for income, asset and tax protection.
Fee based insurance consulting.
As a columnist and industry contributor, Ted Bernstein has been interviewed and quoted in the Wall Street Journal, The Chicago Tribune and by the Cato Institute on a variety of subjects, including concerning taxation issues facing the insurance industry.
Income annuities can be 100% liquid from day one with guaranteed lifetime income. This is yet another transformation we help bring to the industry. Indexed annuities are becoming the self funded private pensions of our time. More and more retirement focused people are using their IRA assets to purchase these products that are guaranteed by some of the most highly rated institutions.
The innovations we bring to our clients have several things in common:
Better value for policyholders;
Elimination or reduction of surrender penalties;
Disclosure, including commission and fee transparency;
The future is bright for consumers who choose to work with experienced professionals. Flexibility, disclosure and transparency are the keys to working in the best interest of each client. Newer and better solutions are constantly emerging as a result of innovation throughout the industry. For example, the ability to purchase up to $5,000,000 of the most competitive life insurance, without any medical underwriting is reshaping how people feel about life insurance.