Ted Bernstein

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Ted Bernstein

August 20 , 2020


 

https://lifecyclefinancialplanners.com/the-consumer-guide-to-indexed-universal-life-insurance-iul/

 

Ted Bernstein

June 17 , 2020


Term Insurance Comparison Tips

Ted Bernstein

April 30 , 2020


One of the more typical uses of life insurance is to protect the lost income of parents with minor children. In those cases, the policy proceeds were always paid in a lump-sum - there was no other option. As the innovator of the installment life option, I applaud the j...

Ted Bernstein

April 04 , 2020


Never Lose Money Again In The Market

Read this article if you are tired of stock market losses and want a good explanation of alternatives for your retirement assets. 

Ted Bernstein

March 27 , 2020


Cost saving and relevant tips about insurance and retirement. Enjoy shorty bits of information about wealth preservation, succession planning and tax deductible corporate insurance concepts. Here you will find just enough information to be interesting and useful. Visit: http://lifecyclefi...

Ted Bernstein

February 06 , 2020


The link below is a short video of several CEOs speaking about the need for guaranteed, lifetime income in retirement. These CEOs are among the most important companies in the retirement income business and it is rare when they are in perfect alignment.   

https://www.multivu...

Ted Bernstein

February 03 , 2020


A premium financed life insurance arragement utilizes a fully collateralized, low cost loan to pay a policy's premiums. The loan is paid back in the future with liquidity from inside the policy or from other liquidity of the borrower.

Life insurance premium financing is not free life in...

Ted Bernstein

April 30 , 2020


Although this can be counter-intuitive, there is no premium savings or any other price advantage to buying life insurance online. Buying life insurance online is NOT "buying direct" from the insurance company, which too many people mistakenly assume. Life insurance companies do not sel...

Ted Bernstein

January 20 , 2020


I am often asked this question through my company's blog and I believe there is reason for its increasing frequency.

Long dur...

Ted Bernstein

January 08 , 2020


Since these special income annuities make guaranteed payments for longer periods, the answer is most often, yes.

There has been a long-standing rule of thumb about combining annuities and IRAs. The thinking was quite similar to the municipal bond rule in IRAs that ...

Ted Bernstein

January 08 , 2020


Ted was interviewed by AdvisoryCloud on December 20 , 2019 as part of our Featured Advisor Interview series.

  • AC - Tell us more about your main areas of expertise for being an advisor? Ted Bernstein - My advisory practice centers around two areas, succession plan...

Ted Bernstein

February 03 , 2020


https://lifecyclefinancialplanners.com/life-insurance-policy-review/

  1. Reduce premiums.
  2. Improve the coverage.
  3. Learn about new benefits, such as accelerating benefits.

Reviews lead to premium savings and better coverage because the benefits of innovati...

Ted Bernstein

December 04 , 2019


1. Both new and established businesses will benefit from my experience, knowledge and passion for innovation in the insurance and retirement industries. Maybe every industry is the same, but there is so much "inside baseball" in my industry that can benefit consumers if you connect with someon...

Ted Bernstein

December 19 , 2019


If you find yourself in need of a professional's help to sort out life insurance or annuity buying questions, I’m available on AdvisoryCloud.com. I offer a unique fee based service that assures you the impartiality and objectivity that is sometimes needed to reach a tough decis...