The Seven Expensive Sins of Premium-Financed Life Insurance
By Bill Boersma Premium-financed life insurance can work. Under the right circumstances, with the right client, policy, financing arrangement, assumptions
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401(k) vs. IUL – The Hidden Cost of Giving Up Growth
By Bill Boersma Indexed Universal Life (IUL) insurance has become one of the most heavily marketed financial products in America.
IUL Crediting Rates, Explained So Simply a Child Could Understand It
Agents love to call IUL crediting rate illustrations “conservative.” The numbers tell a very different story. In this video, I
IUL Crediting for Children
IUL Crediting for Children Because IUL for Dummies may result in copyright infringement allegations By Bill Boersma I know a
What’s It Going to Take?
What’s It Going to Take? By Bill Boersma There were multiple articles published in the lates nineties and early 2000s
Volatility Controlled Indexes – ChatGPT Discussion
By Bill Boersma ChatGPT is an experimental generative artificial intelligence tool and does not have its own opinions. As an
The Gravitational Pull on IUL Cap Rates
Why policy performance tends to compress over time and what advisors must understand By Bill Boersma Introduction: A Structural, Not
Letter of Explanation – Realistic IUL Returns
By Bill Boersma Dear Policy Owner: We’ve spent a lot of time talking about realistic returns for IUL policies. Attached