Ted Bernstein

Consultant available on fee or project basis to aid in purchase of new insurance or review inforce policies. 25+ years

ADVISOR BIOGRAPHY

For 30 years, Ted has been recognized as a unique life insurance professional and fee based consultant. Often hired as a fee based consultant, Ted works with clients to help them reach final decisions about products and concepts. When the life insurance amounts get significant, there often are numerous proposals from competing agents, sometimes the competing agents are friends or family members. Serving in this role, Ted strictly represents the insurance buyer, offering impartial and unbiased advice. Not acting as an agent or receiving commissions, this is especially helpful in jumbo cases when the premiumus and amounts of insurance are sizeable. As a leading expert on life insurance premium financing, Ted is available to help life insurance buyers understand the risks of premium financing. Ted will help his clients reach the best decisions concerning the financing structure and the policy being considered.

As a life insurance and annuity professional, Ted specializes in business owned life insurance strategies, personal life insurance planning and guaranteed income retirement solutions. He is a valuable advisor for life insurance buyers who want the right products and concepts at the lowest cost. He is especially helpful in matters concerning life insurance product selection, succession planning, company owned life insurance (COLI), premium financed life insurance, selling unwanted or un-needed life insurance, retirement income planning, guaranteed income annuities and tax deductible life insurance strategies for businesses. 

From the beginning of Ted's career, he has specialized in placing jumbo life insurance policies ranging from $10M to upward of $100M. He counsels individuals, families and businesses about innovative strategies and concepts concerning succession planning and welath preservation. Ted has helped major life insurance companies create and market innovative new product alternatives over the course of his career. Products such as no-load life insurance, the Installment Payout Option and hybrid premium financing structures have led to personal sales in excess of $1B in face amount.

Ted received his education at the University of Wisconsin - Madison and Northwestern University. He is from Chicago and now lives in Southeast Florida with his family.

1985 - Present

Owner - Life Cycle Financial Planners, LLC

Life Cycle Financial Planners, LLC

BLOG

I’m Available To Advise On The Following Subjects

Wealth Management

Content Marketing

Financial Planning

Estate Planning

Expert witness

Product selection for annuities and life insurance

Serve as a sounding board and second opinion on a key decision

Input and advice on a key project