About Me

Ted Bernstein is the founder of Life Cycle Financial Planners, LLC, a family business located in Boca Raton, Florida. Ted has been a top producer and consistent innovator in the insurance industry for more than 30 years. Ted is responsible for introducing life insurance without built-in commissions to the U.S. life insurance market. His contributions to the industry are diverse, including the development of many consumer oriented products. Ted is an expert in life insurance premium financing solutions having written more than $1B in coverage. He brings a vast amount of experience to every client and understands the problems facing High Net Worth buyers and jumbo life insurance consumers.

Ted has been published in Insurance News Net, The National Underwriter, Best’s Review and Broker’s World. He has also been featured in business publications such as The Wall Street Journal, Fortune, Forbes and Inc. Magazine. Ted speaks out about the pressing issues facing the life insurance industry by continuing to be published on a regular basis.

Ted has served on many boards and executive committees to support community and social organizations. As a Trustee member of the Boca Raton Chamber of Commerce, he stays connected to the issues facing fellow business leaders.

An alumni of both Northwestern University and the University of Wisconsin/Madison, Ted now resides in South Florida with his wife, Deborah Bernstein.