Life Insurance Consulting
Choosing the right life insurance policy is one of the most important financial decisions an individual or business can make. Whether you’re safeguarding your family’s
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Areas of Life Insurance Expertise
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Litigation Support
More often lately I am retained for litigation support purposes. While I am not an attorney, what I am clearly seeing in the market is
Expert Witness Services
At OC Consulting Group in Grand Rapids, Michigan, we understand that litigation involving life insurance issues can be incredibly complex. Whether it’s a matter of
Acquisition & Divestiture Support
At OC Consulting Group, based in Grand Rapids, Michigan, we specialize in providing comprehensive expert consulting services to businesses navigating the complex landscape of acquisitions
Portfolio Optimization
Portfolio Optimization Services by OC Consulting Group In today’s rapidly changing business environment, optimizing a portfolio is more than just an essential strategy—it’s a critical
Policy Valuations
At OC Consulting Group, based in Grand Rapids, Michigan, we specialize in providing in-depth policy valuations to help clients better understand the worth of their
Tax Analysis
Tax Analysis Services by OC Consulting Group At OC Consulting Group, we recognize that tax analysis is a crucial aspect of financial management for individuals
Life Settlements
Understanding Life Settlements: A Valuable Financial Tool for Policyholders Over the years, I’ve had countless conversations with advisors and policyholders about the concept of life
Industry Speaking & Education
ChatGPT said: At OC Consulting Group, based in Grand Rapids, Michigan, we specialize in providing expert guidance and insights on life insurance, helping clients navigate
Q&A
Opinion of IUL Policies
I am curious as to your opinion of IUL policies? They seem to me to substantially overpromise, and they are too complicated for me to understand! Would love to hear what you think.
Premium Financing
Is there any non-proprietary information, including company and contract recommendations, as well as illustrations of cases, of which you have analyzed and approved?
My inclination has always been to employ a guaranteed ten-pay WL contract, with as much enhanced-style PUA’s as possible (below MEC) and combine it with a fixed, ten-year loan to attempt attainment of my true, positive arbitrage, but I need your counsel on my theory.
Is Term Insurance a Commodity?
When it comes to term insurance, can’t I treat that as a commodity, at least when I’m dealing with quality insurance companies? Why should I pay any more than I need to?
Effect of Loan on Life Insurance Policy
Please help me out with the effect of a loan on my policy. What happens to policy crediting and am I focusing on the cash value or the cash surrender value when looking at COIs (Cost of Insurance).