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
1 Comment

To sell or not to sell?

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 the coverage to a 3rd party investor. Selling a life insurance More...

By Ted Bernstein On Wednesday, April 15th, 2015
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What are the Financial Risks of Living Longer?

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 – referred to as longevity risk. Recent studies confirm More...

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

 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 insurance is not a commodity and everyone with a life More...

By Ted Bernstein On Monday, December 15th, 2014
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10 Commandments of Life Insurance

The following five tips is a continuation from last week’s column of the 10 most important considerations when buying and reviewing life insurance. The goal is to help you avoid costly and easily avoidable land More...

By Ted Bernstein On Thursday, December 4th, 2014
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The 10 Commandments of Life Insurance

    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 and don’ts. At the risk of over-simplifying: 1.  More...

By Ted Bernstein On Friday, November 14th, 2014
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Mission Impossible – Making Life Insurance Cool Again

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 buyer, who pays the highest price for this reality. We can change More...

By Ted Bernstein On Thursday, November 6th, 2014
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The Black Box of Underwriting

Sex, Drugs and Genetics Overweight by 20 pounds? On high blood pressure medication? Smoke an occasional cigar? Most people feel certain that any one of these will increase their life insurance premiums. In most More...

By Ted Bernstein On Friday, October 17th, 2014
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Long Term Care Insurance – Who Needs It?

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 to your decision. The time to decide if Long Term Care Insurance More...

By Ted Bernstein On Monday, October 13th, 2014
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The Worst Life Insurance Policy You Can Own?

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 is “the one that best meets your goals and objectives.” In More...

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