JM Bernstein Insurance Services

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I am an independent insurance agent who helps clients make smart decisions about different types of insurance products including health insurance, life insurance, annuities, long-term care, disability and Medicare coverage. My expertise is in the following areas:

Save clients about 30% in premium without compromising coverage
Individuals, families and small businesses
If you go directly to carrier or use me, you pay the same amount in premium, so why not get some no cost consulting along the way?

Protect loved ones
Protect business owners in the event of a partners sudden death
Know which carriers are better suited for particular needs

Cash value life insurance
Strategies on how to get the most out of your premium dollar
A properly designed universal life insurance policy is something you can count on in retirement

Ensure future plans will not be ruined by political events or corporate greed
Some annuities offer a guaranteed 8% return and will never let you outlive your money
Access 10% of account value each year
Tax deferred growth

Annuities are a very strong option for retirement planning
Long-Term Care, Disability Insurance:
Knowing how plans work is very important.
Alternative plan designs can provide long-term care, disability AND death benefit coverage
Dont waste premium dollars on a policy that will never pay out

A lot of recent changes
Have me guide you through the process
Make sure you or your parents are properly covered
Child Legacy Plan:
Child Legacy Plan (CLP) – effective alternative to a traditional college savings plan (ie: 529 Plan).
Account values not subject to market volatility
Grow tax deferred
Not limited to education expenses
Properly designed CLP will serve as a valuable financial resource for your children or grandchildren