Protect What Matters
For over 60 years, our advanced estate planning tools and breadth of insurance knowledge has helped our clients protect their wealth, plan for retirement, and reduce costs.
Learn about all the different ways you can help secure your family’s future.
Protect What Matters
For over 50 years, our advanced estate planning tools and breadth of insurance knowledge has helped our clients protect their wealth, plan for retirement, and reduce costs.
Learn about all the different ways you can help secure your family’s future.
Protect What Matters
For over 50 years, our advanced estate planning tools and breadth of insurance knowledge has helped our clients protect their wealth, plan for retirement, and reduce costs.
Learn about all the different ways you can help secure your family’s future.
What We do
Our Services
Since 1964 our advanced estate and business planning tools have helped individuals, families, businesses and groups protect their employees, their wealth and plan for the future.
Premium Financing
Premium financing is best suited to individuals with high net worth who have the need for a large amount of life insurance for heirs, estate planning, or a favorite charity.
Life Insurance
Life insurance can replace your income for your dependents. It can also pay your final expenses, create an inheritance for your heirs, and pay your estate taxes.
Disability Insurance
Even with challenging medical histories, carriers are often willing to limit the benefit period or extend the elimination period to approve this type of protection.
Health Insurance
Our health insurance advisors offer health insurance options to individuals, businesses and groups.
A Wide Array
We offer a wide array of services to help meet your needs, budget and risk tolerance. Not only do we offer Premium Financing, Life Insurance, Disability and Health Insurance but we also offer the following services:
ANNUITIES
Annuities offer many benefits over traditional retirement savings plans. Perhaps the foremost of these benefits is a higher return.
employee benefits
We pride ourselves on our extensive level of personal service to each and every one of our employer groups and their employees.
LIFE SETTLEMENTS
A life settlement is when a life insurance policy owner cashes in his policy by selling it to an investor rather than the company that sold it to him or her.
BUY SELL AGREEMENTS
A Buy-Sell Agreement can be one of the most important steps you take to control the future destiny of your business.
WEALTH TRANSFER AND PRESERVATION
If you or your spouse are over age 59 ½, you could leave a much greater amount to your beneficiaries.
KEY PERSON INSURANCE
A life insurance policy purchased by an employer on the life of a key employee to help protect the business from the financial loss resulting from that critical employee’s death.
LONG-TERM CARE
At least 70 percent of people over age 65 will require some long-term care services at some point in their lives.
cEO & Founder
Richard S. Bernstein
Richard S. Bernstein is the CEO and Founder of Richard S. Bernstein & Associates Inc., a national leader in the health care and life insurance industry. Since 1964, he has advised many of America’s wealthiest families and businesses.
He is a lifetime multi high net worth insurance producer and has consistently ranked amongst the top insurance agents in the world.
Why Choose Us
