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 cases, they don’t. As a life insurance buyer, you should expect to pay the lowest possible premiums and receive the best rate class the company More...
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...
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...
The Biggest Myth in Life Insurance
By Ted Bernstein The 4 Most Counter-Productive Words in Life Insurance…“I am all set”. The conventional wisdom of buying and holding stocks has given way to the advantages of being far more nimble when it More...
The Lump-Sum Failure
By: Ted Bernstein Can Your Beneficiaries Afford a “lottery-type” Payout? A growing number of people think not. We don’t often get second chances, especially with the benefit of hindsight. One of the most More...
Times – They Are A Changin’
By Ted Bernstein Until recently, life insurance was widely considered to be one of this country’s most important financial planning tools. Today, it is misunderstood, unappreciated and commoditized. More...
