Ted Bernstein

Ted Bernstein is a third-generation licensed life insurance specialist and nationally recognized industry innovation expert in alternative distribution strategies and life insurance product development with decades of speaking out and advocating for changes on behalf of consumers. A member of the Association for Advanced Life Underwriting, he was the first to introduce life insurance without commissions or “no-load” life insurance in the mid-1980s and launch the first fee-based Life Insurance Policy Audit and Review service for trust companies and life insurance fiduciaries. His newly introduced innovation, the Installment Life Option, is game-changing. To learn more, visit www.lifeinsuranceconcepts.com or call 561-988-8984.

By Ted Bernstein On Wednesday, May 27th, 2015
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To sell or not to sell?

(adsbygoogle = window.adsbygoogle || []).push({}); If you are 65 or older and you own life insurance that you may not need any longer, chances are good that you have thought about the idea of selling More...

By Ted Bernstein On Wednesday, April 15th, 2015

What are the Financial Risks of Living Longer?

(adsbygoogle = window.adsbygoogle || []).push({}); Most of us aspire to live a long, healthy and prosperous life. Yet, the financial downside of living longer is the increased risk of outliving your wealth More...

By Ted Bernstein On Friday, February 27th, 2015
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The Rewards of Choosing the Right Professional.

(adsbygoogle = window.adsbygoogle || []).push({});  I recently went to a new doctor and noticed he was located in something called the Professional Building. I felt better right away.   George Carlin Life More...

By Ted Bernstein On Monday, December 15th, 2014

10 Commandments of Life Insurance

(adsbygoogle = window.adsbygoogle || []).push({}); The following five tips from Life Cover Quotes experts is a continuation from last week’s column of the 10 most important considerations when buying More...

By Ted Bernstein On Thursday, December 4th, 2014

The 10 Commandments of Life Insurance

(adsbygoogle = window.adsbygoogle || []).push({}); Here are a few guidelines to help you when it comes to life insurance. The goal here is to avoid land mines. The following is a list of essential do’s More...

By Ted Bernstein On Friday, November 14th, 2014

Mission Impossible – Making Life Insurance Cool Again

(adsbygoogle = window.adsbygoogle || []).push({}); As a dedicated life insurance professional, it pains me to admit that life insurance has a bad rap. Unfortunately, it is you, the life insurance More...

By Ted Bernstein On Thursday, November 6th, 2014

The Black Box of Underwriting

(adsbygoogle = window.adsbygoogle || []).push({}); Sex, Drugs and Genetics (adsbygoogle = window.adsbygoogle || []).push({}); Overweight by 20 pounds? On high blood pressure medication? Smoke More...

By Ted Bernstein On Friday, October 17th, 2014

Long Term Care Insurance – Who Needs It?

(adsbygoogle = window.adsbygoogle || []).push({}); Who should own LTCI is a personal decision with no right or wrong answer. The worst thing to do is assume “no” without giving proper consideration More...

By Ted Bernstein On Monday, October 13th, 2014

The Worst Life Insurance Policy You Can Own?

(adsbygoogle = window.adsbygoogle || []).push({}); The most common question asked of me about life insurance over the past 30 years is “what is the best type of life insurance?” The simple answer More...