Articles of objective information to drive informed decisions.
By Bill Boersma Premium-financed life insurance can work. Under the right circumstances, with the right client, policy, financing arrangement, assumptions and ongoing management, it can
By Bill Boersma Indexed Universal Life (IUL) insurance has become one of the most heavily marketed financial products in America. The sales pitch is appealing:
Agents love to call IUL crediting rate illustrations “conservative.” The numbers tell a very different story. In this video, I break down exactly how indexed
IUL Crediting for Children Because IUL for Dummies may result in copyright infringement allegations By Bill Boersma I know a guy who had a way
What’s It Going to Take? By Bill Boersma There were multiple articles published in the lates nineties and early 2000s discussing issues with life insurance
By Bill Boersma ChatGPT is an experimental generative artificial intelligence tool and does not have its own opinions. As an AI language model, it is
Why policy performance tends to compress over time and what advisors must understand By Bill Boersma Introduction: A Structural, Not Cyclical, Phenomenon Indexed Universal Life
By Bill Boersma Dear Policy Owner: We’ve spent a lot of time talking about realistic returns for IUL policies. Attached you’ll find a table with
Return Compression and the Illusion of Equity-Like Returns By Bill Boersma In recent years, volatility-controlled indexes (VCIs), also known as target-volatility or risk-control indexes, have
The pernicious nature of premium financing and IUL By Bill Boersma I didn’t dig for this example. It’s simply the one I was working on
By Bill Boersma Diving into a case where a client wanted me to help them understand what they had, I dissected an Indexed Universal Life
by Bill Boersma Accountability is a word that shows up everywhere in business. We use it in management meetings, financial audits and performance reviews. Yet
By Bill Boersma Most people assume that the professional sitting across the table with a life insurance illustration has a goal to help them. The
When $500 Feels Expensive and $20 Million Doesn’t By Bill Boersma I know why people act the way they do. Because the human mind isn’t
By Bill Boersma Life insurance is supposed to provide peace of mind, but what happens when the policy you’ve been counting on turns into a
By Bill Boersma One single time I didn’t pay to have a sewer line inspection for a property I bought. It was a small rental
“There is an ongoing, and often misunderstood, conversation around the standard of care owed to clients in the context of life insurance and financial product
Everyone talks about “due diligence.”Few can define it.Fewer still do it. I’ve seen every version of “analysis” imaginable, and let’s just say some are more convincing
by Bill Boersma | OC Consulting Group When I ask policyowners what their life insurance costs them, they usually name their annual premium. The premium isn’t the cost. That’s like saying
