5 Reasons To Work With Us.

Choose a financial professional who is conservative, experienced, knowledgeable and committed to service. We guide and help families, individuals and business owners with: 

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;
Customization;
Disclosure, including commission and fee transparency;
Lower premiums.

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. 

To best serve you, we remain focused on the following:
1. Working in the best interests of our clients, as fiduciaries
2. Improving the perception of annuities. There is widespread  and costly misinformation about annuities, especially indexed annuities that should be considered for every retirement plan.
3. Encouraging insurance companies to better control the narrative about the virtues of their core products directly to policyholders.
4.The Term Insurance Failure.
5. Advocating for the benefits of guaranteed income in retirement and raising awareness about the consensus among leading economists across the globe. 
 bernstein, ted bernstein boca raton, ted bernstein insurance
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