Financial Risks of Living Longer?

Innovators in Life Insurance


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in a Private Pension.

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Our Innovations

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Our role is helping you consider the variety of ways life insurance can help meet your objectives and then help you acquire the most cost effective insurance program available.


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We maintain the highest standards of quality with an authentic commitment to customer satisfaction.

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Our no cost policy review can help ensure that you have the best life insurance option available for your needs.

There are many different options to consider when choosing a life insurance policy.

We have created better alternatives to make life insurance more valuable.  Representing leading insurance companies to distribute these cutting edge innovations, Life Insurance Concepts helps you determine which is the best solution to meet your needs.  As life cycle planners, we are uniquely qualified to offer guidance at every point in your life:

  • Customized Life Insurance Solutions.
  • Guaranteed Income Solutions to Ensure Lifetime Income.
  • The Most Competitive Rates.
  • Flexible Solutions for How Proceeds are Paid to Your Beneficiaries.
  • Living Benefits that Allow You to use them for Health Events.

CBS – The David Weir Show

Ted Bernstein on Innovation

Throughout history the leading factor in cost reduction and performance increases for the consumer has been innovation.

Would your spouse or children be capable of managing a significant lump-sum payment at one of the most challenging times of their life?

With Installment Life you can develop a customized plan to calculate the exact amount of income needed each year to guarantee all expenses, education, retirement funding and unforeseen expenses.

Our Recent Articles

We often make industry and community related publications.

Clients & Testimonials

Our primary goal is to provide our clients with exceptional results and we excel by being integral to their success.

Working with Eric Bernstein and Life Insurance Concepts finally made life insurance easy to understand for me and my wife. They continue to provide excellent service and keep us informed about new ideas. I appreciate that they treat me like an individual and monitor our policies each year. We were introduced to the installment option, which we were unaware of before working with them. These are not your run-of-the-mill insurance guys and if you are a savvy consumer you will understand the advantage of being in their good hands. I'm proud to recommend Life Insurance Concepts to my friends and family.

Jay S. Miami, FL

Life Insurance Concepts of Boca Raton, Florida is a cut above the rest. I cannot recommend this group of insurance professionals more strongly. If you appreciate people who make complex things simple to understand, they deliver.

Stewart T.Chicago, Il

It's great working with professionals that understand our business needs. Life Insurance Concepts is easy to work with and they care most about what's best for their clients and families. Before working with them, I didn’t have a great appreciation or understanding for how life insurance really works. Once I sat down with Eric Bernstein and he presented all the interesting options, it was obvious that I was not dealing with typical insurance professionals. As a family business, they understood our needs, and it shows. I have referred several people to Eric and will continue to do so.

Dr. G. West Palm Beach, FL

I have been working with Ted Bernstein of Life Insurance Concepts for more than 20 years. He is constantly working to make life insurance a better planning tool for his clients. Our partnership continues to evolve and we look forward to supporting Life Insurance Concepts in the future.

L. A. BrightonDallas, TX

Need help with your Life Insurance Policy?

It's never too early to secure the future.

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