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• A Life Insurance Primer: Life Insurance Basics
• A Plain Jane Policy Analysis
• About Bill Boersma
• About OC Consulting Group
• Acquisition & Divestiture Support
• Advanced Markets
• Analysis & Management
• Another Second Opinion
• Beware: Level Term Premiums
• Beware… Series
• Blog
• Blog: Most Popular Posts
• Business Card Bill Boersma
• Considerations Regarding Trust Owned & Individual Life Insurance
• Contact
• Coronavirus, Preppers & Life Insurance
• Death Benefit as an Asset Class
• Decision Tree for Life Insurance Implementation
• Decision Tree for Life Insurance Implementation – Are you older than 80 – Term
• Decision Tree for Life Insurance Implementation – Blended WL
• Decision Tree for Life Insurance Implementation – Dead End
• Decision Tree for Life Insurance Implementation – doesn’t really matter what you do
• Decision Tree for Life Insurance Implementation – Fixed # of Years
• Decision Tree for Life Insurance Implementation – Guarantee
• Decision Tree for Life Insurance Implementation – Guarantee or Non-Guarantee
• Decision Tree for Life Insurance Implementation – Guaranteed IUL / VUL
• Decision Tree for Life Insurance Implementation – GUL
• Decision Tree for Life Insurance Implementation – IUL
• Decision Tree for Life Insurance Implementation – Minimum Premium
• Decision Tree for Life Insurance Implementation – Non-Guaranteed
• Decision Tree for Life Insurance Implementation – Partner in Decision Making Process
• Decision Tree for Life Insurance Implementation – PPVUL
• Decision Tree for Life Insurance Implementation – Securities
• Decision Tree for Life Insurance Implementation – Securities Millions
• Decision Tree for Life Insurance Implementation – Term
• Decision Tree for Life Insurance Implementation – UL
• Decision Tree for Life Insurance Implementation – UL IUL VUL
• Decision Tree for Life Insurance Implementation – VUL
• Decision Tree for Life Insurance Implementation – Whole Life
• Decision Tree for Life Insurance Implementation – WL vs GIUL GVUL
• Deferred Comp Review
• Details of a Fraud Case
• Discovering Insurance Carrier Errors
• Do Life Insurance Dividends and Crediting Rates Mean Anything?
• Donating a Policy to Charity
• Educational Videos
• Effect of Loan on Life Insurance Policy
• Enhanced Cash Value Offer Case Studies
• Expert Witness Services
• Expertise
• Forms Directory
• Funding a Buy Sell Agreement with Life Insurance
• Giving Life Insurance to Charity
• Giving Life Insurance to Charity
• Group & Association Term vs Individual Term
• Group and Association Term Insurance
• Heckerling 2026 Presentation
• Home
• How to Build a Life Insurance Policy
• Independent Modeling & Stress Testing
• Industry Speaking & Education
• Inforce Illustration System Error
• Inforce Illustrations and Loans
• Insurance Fees in Relation to Other Transactions
• Is Premium Financing a Viable Strategy
• Is Term Insurance a Commodity?
• IUL Premium Financing Risk
• Leimberg Article: What’s Happening in the Premium Financed IUL Market
• Letters of Explanation
• Life Insurance and Human Nature
• Life Insurance Consulting
• Life Insurance Consulting
• Life Insurance Consulting for the RIA Community
• Life Insurance in the Coronavirus Era
• Life Insurance Loan Refinancing
• Life Insurance Memes
• Life Settlement Saves the Day
• Life Settlements
• Litigation Support
• Litigation Support and Expert Witness Services
• Managing Life Insurance
• Managing Your Life Insurance – What does that mean?
• Marty Shenkman Videos
• Not an Expert on Life Insurance – Call One.
• OC Consulting Group
• Opinion of IUL Policies
• Payments
• Policy Buy Back- Life Settlement
• Policy Funding Options
• Policy Loan & Dividend Management
• Policy Valuation/Appraisal Assist.
• Policy Valuations
• Poll – What are your top three (3) reasons for the failure of Kyle & Samantha Busch’s IUL policies?
• Portfolio Optimization
• PPPP – Case Examples
• PPPP – Case Examples
• Pre-Purchase Perspective Program
• Premium Financed IUL
• Premium Financed IUL Part 2
• Premium Financing
• Premium Financing
• Premium Financing – Introduction
• Premium Financing 1
• Premium Financing Red Flag Checklist
• Premium Financing: Are the Numbers Real
• Privacy Policy
• Private Placement Life Insurance
• Product Info and Underwriting Requirements
• Putting Fees Into Perspective
• Questions & Answers
• Refinancing Life Insurance Loan
• Resources
• Salvaging Loss in a Life Insurance Contract
• Salvaging Loss in a Life Insurance Policy
• Shooting from the hip – Hit or Miss
• Sitemap
• Strategies
• Success Stories
• Tax Analysis
• Tax Issues
• Term Convertibility
• Term Insurance Conversion
• Term Quotes
• Terms & Conditions
• Testing and Modeling Life Insurance
• Thank You
• The Cynical Client or Advisor
• The Fiduciary’s Guide to Life Insurance Illustrations
• The Importance of the Second Opinion
• The Policy Performance Review
• The Potential
• The Problem
• The Process
• The Second Opinion
• The Tale of Two Policy Owners
• Timing of Premium Payments
• Todays’s Life Settlement Market
• Trust & Estates Publications
• Trustee Liability
• Typical Fee Based Consulting Scenarios
• Understanding Life Insurance Performance Part 1
• Understanding Life Insurance Performance Part 2
• Underwriting
• Vetting a Premium Finance Deal
• What Advisors Should Know About Hybrid Long-Term Care Policies
• What kind of Life Insurance Should I buy
• What to do about Existing Life Insurance
• What Went Wrong With My Dividend Paying Whole Life Policy?
• What You Need to Understand about Life Insurance Underwriting
• Where to go from here?
• Whole Life Term Blend
• Why the Cheapest Premiums are not Likely to Provide the best Policy

Posts by category

• Category: Beware Series
  • Beware … Term Convertibility
  • Beware…Of Group and Association Term Insurance
• Category: Blog
  • The Seven Expensive Sins of Premium-Financed Life Insurance
  • Leimberg: Bill Boersma on Volatility-Controlled Indexes: Understanding Performance Expectations and Their Role in Indexed Universal Life
  • 401(k) vs. IUL – The Hidden Cost of Giving Up Growth
  • IUL Crediting Rates, Explained So Simply a Child Could Understand It
  • IUL Crediting for Children
  • What’s It Going to Take?
  • Leimberg: The Gravitational Pull on IUL Cap Rates – Why policy performance tends to compress over time and what advisors must understand
  • Volatility Controlled Indexes – ChatGPT Discussion
  • The Gravitational Pull on IUL Cap Rates
  • Letter of Explanation – Realistic IUL Returns
  • Volatility-Controlled Indexes: Understanding Performance Expectations and Their Role in Indexed Universal Life
  • How is This Allowed?
  • The Four Credits of Indexed UL
  • Rethinking Life Insurance Accountability
  • Fee-Based Consulting: Real Independence in an Agent-Driven World
  • Behavioral Blind Spots in Financial Decision-Making
  • Life Insurance Train Wrecks
  • The Price of Prevention, the Cost of Being Cheap
  • Leimberg: Bill Boersma: Suitability vs Best Interest vs Fiduciary, Where Recommendations Actually Break
  • Policy X-Ray: What Real Due Diligence Looks Like.
  • “The Hidden Costs in Life Insurance: How Expenses Erode Promises.”
  • Who Knows Best?
  • Insurance vs. Investments
  • A Conversation with ChatGPT on Standard of Care
  • Why Life Insurance Isn’t Built for You, And What to Do About It
  • License Optional, Consequences Mandatory
  • The Latte Factor
  • Life Insurance Decision Tree: Starting with Need, Not Product
  • Leimberg: Bill Boersma: Is Variable Life Insurance More Expensive
  • Premium-Financed IUL Policy Bleeds Value Despite Booming Market
  • Word Games
  • Making Decisions with Your Gut or with Numbers?
  • Busting Whole Life Policy Myths
  • S&P Up, Policy Down: The Hidden Cost of Poor IUL Design
  • My ChatGPT Conversation on Premium Financing
  • Steve Leimberg’s Financial Products Planning Newsletter – Archive Message #51
  • Who Can You Trust? The Challenge of Navigating Life Insurance and the Advisors Behind It
  • Volatility Controlled Indexes
  • It’s Not That Hard
  • Yea, This Makes Sense🙄
  • It Doesn’t Have to Be That Way
  • Racing Toward Risk: What the Kyle Busch Case Reveals About Indexed Universal Life Policies
  • USA News Best Universal Life Report
  • A Different Way of Looking at Estate Taxes
  • Which Life Insurance Projection is More Realistic?
  • Estate Taxes after the OBBB and What Could Change if Power Flips
  • Which Life Insurance Projection is More Realistic
  • What Does the Market Really Need to Do to Allow IUL Projections to Pan Out?
  • Explaining a Whole Life Policy Problem
  • Letters of Explanation: Term Conversion
  • What Really Drives Life Insurance Sales?
  • Premium Finance Calcs & Commentary
  • SelectQuote Marketing – Is it any different?
  • Heckerling Presentation Follow up
  • A Thought Experiment
  • The Tale of Two Policy Owners
  • Six Birds with One Stone
  • This is What I Mean When I Say Misrepresentation
  • The Bastardization of Premium Financing
  • Death Benefit as an Asset Class
  • Wash Loans… Really?
  • A Peek Behind the Insurance Marketing Curtain
  • Is Variable Life Insurance More Expensive?
  • Cherry Picking Data & Excuses
  • IUL Performance to Date and Moving Forward
  • Stronger Focus Needed on Underwriting in Insurance Planning
  • A Conversation with ChatGPT Regarding Indexed Product Regulations
  • Premium Financing Life Insurance in Today’s Markets
  • Read the Life Insurance Policy Maturity Fine Print
  • Life Insurance: Defined Benefit or Defined Contribution
  • The Worst Life Insurance Deal Ever
  • Don’t Underrate Term Insurance
  • A Rapacious Consumer of Cash – Part 2
  • A Rapacious Consumer of Cash – Part 1
  • Read the Life Insurance Policy Maturity Fine Print
  • Do Life Insurance Dividends and Crediting Rates Mean Anything?
  • Premium Financing Litigation Support | Expert Witness
  • An Unfortunate Life Insurance Policy Loan Conversation
  • Parsing Life Insurance Numbers
  • The Tragedy of Group Term
  • Identifying an Unsalvageable Life Insurance Policy
  • Indexed Universal Life – Mission Impossible, follow up
  • Sure! That Should Work.
  • Convertible Term Life Insurance Pros and Cons
  • Dear Policy Owner:
  • Modern Insurance Marketing
  • At What Point Does a Whole Life Insurance Policy Endow?
  • Beware…of Inforce Illustration System Error
• Category: BlogAnimate
  • Term Insurance Conversions
  • Policy Buy Back – Life Settlements
  • Video: Premium Financed IUL
  • Premium Financing: Are the Numbers Real?
  • Video: Do Dividends and Crediting Rates Mean Anything?
  • Group & Association Term vs. Individual Term Insurance
  • Today’s Life Settlement Market
  • Video: Funding a Buy-Sell Agreement with Life Insurance
  • Life Insurance in the Coronavirus Era
  • Corona Virus, Preppers & Life Insurance
  • Refinancing Life Insurance Loans – Scenarios
  • Refinancing Life Insurance Loans by Bill Boersma
  • Giving Life Insurance to Charity
  • Understanding Life Insurance Performance – Part 1
• Category: Case Studies
• Category: Expertise
• Category: Letters of Explanation
  • How Advisors Can Catch Premium Financing Red Flags
  • Explaining Whole Life vs. Guaranteed Universal Life Insurance
  • Speaking to Clients About Premium Financed IUL Policies
  • Letters of Explanation: IUL Premium Financing Risk
  • Letter of Explanation – Premium Financing
  • Letters Of Explanation – Policy Funding Options
  • Letters of Explanation: Donating a Policy to Charity
  • Letters of Explanation – Trustee Liability
  • Letters of Explanation: Whole Life Term Blend
• Category: Life Insurance
  • Pay Attention to Term Conversion
  • Life Insurance at Policy Maturity
  • When a Life Insurance Company Wants to Buy a Policy Back
  • Leimberg Article: Bill Boersma: Risk Profiles of Life Insurance – Don’t Take Conventional Wisdom at Face Value
  • A Major Consideration Regarding Term Insurance
  • Whole Life Policies Using Loans
  • Busting More Whole Life Policy Myths
  • Busting Whole Life Policy Myths
  • A Peek Behind the Insurance Marketing Curtain
  • The Most Arrogant Man in the World
  • What’s Happening in the Premium Financed IUL Market
  • How a Life Insurance Policy Loan Can Surprise You
  • Q&A: Policy loans are often misunderstood
  • Dear Mr. Client, We Need to Talk About Your Insurance
  • How Many Ways Can You Write the ‘Same’ Life Insurance Policy?
  • The Sensitivity of Indexed Universal Life – Part 3
  • The Sensitivity of Indexed Universal Life – Part 2
  • The Sensitivity of Indexed Universal Life – Part 1
  • Life Insurance Appraisal Brings Confidence to Planning
  • Success Stories: Policy Appraisal Brings Confidence to Planning
  • Comparing Term Life Insurance Policies
  • The Worst Life Insurance Deal Ever – Annual Renewable Term
  • Beware… of Inforce Illustrations and Loans
  • Insuring Life Insurance
  • The Most Important Thing to Understand Regarding Premium Financing: Are the Numbers Real? By Bill Boersma
  • Do Life Insurance Dividends and Crediting Rates Mean Anything?
  • Indexed Universal Life: Back Testing and Cap Rates and Averages, Oh My!
  • Woes of a Fee-Based Life Insurance Consultant
  • Coronavirus-Related Life Insurance Considerations
  • Coronavirus, Preppers and Life Insurance
  • Insurance Policy Loan War Stories
  • A Different Kind of Premium Financing
  • Life Insurance and Policy Loans
  • An Unfortunate Conversation Regarding a Life Insurance Policy Loan
  • WSJ Article: It’s the Hottest Thing in Life Insurance. Are Buyers Aware of the Risks?
  • Bloomberg – What the Non-Insurance Advisor Needs to Understand to About Indexed Universal Life Insurance by Bill Boersma & Henry Montag
  • Whole Life Dividend Options and Policy Management
  • Life Insurance: Told vs. Sold: Part 3
  • Hybrid Life Insurance and Pension Protection Act 2006
  • What CPAs should understand about premium financing By Bill Boersma and Henry Montag
  • Life Insurance: Told vs. Sold
  • The Life Insurance Benefits of Quitting Smoking
  • Internal Rate of Return on Underwriting
  • The Bastardization of Premium Financing
  • The Tragedy of Group Term
  • Understanding the Flaws in a Premium Financing Policy
  • Premium Financing is Great… Except When It Isn’t
  • Is Association Term Insurance Really a Good Deal?
  • Life Insurance Reviews Don’t Always End in Disappointment
  • When Is Whole Life Not Really Whole Life?
  • Saving Money on Life Insurance – Part 3
  • A Life Insurance Primer: Life Insurance Basics by Bill Boersma & Marty Shenkman
  • Saving Money on Life Insurance – Part 2
  • Does Your Client Want to Save Money on His Life Insurance?
  • A Life Insurance Mystery: Underwriting
  • Premium Financing Life Insurance in Today’s Markets
  • Time Bombs of Yesteryear and Today
  • Life Insurance Analysis: an Art or a Science
  • A Life Insurance Carrier Offer Your Client Can’t Refuse?
  • Life Insurance Premium Financing
  • Giving Life Insurance to a Charity
  • Is Working For One Life Insurance Carrier Ethical?
  • Why Fund a Buy-Sell Agreement?
  • Defined Benefit Life Insurance
  • Life Insurance with an Infinite Return?
  • Life Insurance in Today’s Estate Tax World
  • How Not To Evaluate Life Insurance
  • Help Mitigate Life Insurance Fraud
  • Understanding Life Insurance Performance – Part 2
  • Digging Into the Black Box of Life Insurance
  • Rebalance Power Inequity in Life Insurance Industry
  • Are all discounts beneficial? – John Hancock Vitality Program
  • Don’t Underrate Term Insurance
  • The Problem with Spreadsheeting and Commoditization
  • The Truth Behind Whole Life Premiums
  • Life Insurance at 100
  • How Do Professional Group Term Contracts Stack Up
  • The True Meaning of the S&P 500 Index
  • Is Term Insurance a Commodity?
  • AALU Piece: Avoiding 5 Common Mistakes in Life Insurance Planning
  • OC Consulting Group – What’s it about?
  • Insurance By The Numbers
  • Giving a Life Insurance Policy to Charity
  • Managing Life Insurance Like a Pro
  • Always Say Never
  • Dealing with Potential Estate Tax Change from a Life Insurance Perspective
  • An Understandable Life Insurance Analogy
  • “Salvaging Loss in a Life Insurance Policy” Update
  • Skyrocketing Premiums
  • Oh, the Humanity…
  • Recent Ruling Underscores Old Issue
  • Sleight of Hand?
  • Not an Expert on Life Insurance? Call One!
  • StressTesting a Premium Financing Deal
  • Life Insurance and Fidelity Charitable
  • When Math Doesn’t Add Up
  • AG 49 – What Is It?
  • We have Calculators….(part 2)
  • New Guidance on Private Placement Life Insurance
  • We Have Calculators. Why Not Use them? (part 1)
  • “Optimizing” Life Insurance
  • Bill Boersma in Trusts & Estates: Life Insurance and Human Nature
  • Why Paying Attention is Important
  • Life Insurance Planning Insights from the 2015 Heckerling Institute
  • 770 Accounts
  • Bill Boersma in Trusts & Estates – January 2015
  • Is Term Insurance a Commodity?
  • An Upside with GUL Policies?
  • Contract Comprehension
  • Bill Boersma in Trusts & Estates – September 2014
  • Laws, Sausage and Life Insurance
  • The Tale of Two Policy Owners
  • Life Insurance Odds & Ends – Recent Court Actions
  • Life Settlement Responsibility
  • KISS
  • Review of Randy Whitelaw’s March 2014 Journal of FSP article
  • Don’t Be a Jumbo Dumbo
  • Understanding the Underwriting Process, Part 2
  • Understanding the Underwriting Process, Part 1
  • Who is Right? The Ongoing Saga of Commissions vs. Fees
  • Clarity Regarding Valuation of Life Insurance for Income Tax Purposes… or Not.
  • Life Insurance on Children
  • If only there was a big Neon Sign ….
  • Understanding Backdating…
  • A Story to Demonstrate the Value of Policy Appraisals/Valuations
  • Bill’s response to recent WSJ article…
  • Capturing Loss in a Life Policy
  • Actuarial Guideline 38 (AG 38) – What Does It Mean?
  • Commission Based vs. Fee Only
  • So, Is It a Good Deal or Not?
  • To Pay or Not To Pay
  • Truth in Naming
  • What Does “Policy Maturity” and Associated Terms Really Mean?
  • Life Insurance on My Wife
  • When Can a MEC Bite?
  • It’s Tax Time. You Might Want to Read This
  • Taxation of Life Settlements
  • Putting Life Insurance Consulting Fees Into Perspective
  • Life Insurance Premium Optimization
  • Observations on Fee-Based Life Insurance Consulting
  • What is the Comdex Score?
  • Points To Keep In Mind Regarding Life Insurance Based Accumulation Planning
  • Policy Owner vs. Insured vs. Beneficiary vs. Payor
  • The Goodman Triangle
  • “Client First” Mentality?
  • Blog on Hedging Your Bets by Richard Harris, Trusts & Estates, January 2011
  • Bill Boersma in Trusts&Estates – Jan 2011!
  • Thoughts on Guaranteed Life Insurance
  • Can you trust what you hear or see?
  • My Take on a Life Insurance “Scandal”
  • What’s Up With Life Settlements?
  • Bill Boersma in the Grand Rapids Business Journal
  • What Is IRC Section 101(j)?
  • National Underwriter Feature: Agents becoming more assertive about settlement market
  • Life Insurance for Charity & Nonprofits Part II
  • Life Insurance for Charity & Nonprofits Part I
  • Have Your Cake and Eat It Too
  • Good Agent + Good Company = Good Policy? Think Again!
  • Another Kind of Life Insurance Disaster?
  • Securities Based Life Insurance; Opportunity or Inevitable Disaster?
  • Life Insurance Pricing… Where is it going?
  • Life Insurance Crediting Rates… Have we bottomed out?
  • Second–to–Die Term Insurance
  • In Your Clients’ Best Interest
  • Personalized Mortality Curve
  • Life Insurance Property Management Protocol
  • Wall Street Journal article website question!
  • Bill Boersma in the Wall Street Journal!
  • Bill Boersma in the Washington Post!
  • Thoughts on a NPR All Things Considered piece…
• Category: Life Settlements
  • Life Settlements: Doing the Right Thing Is a ‘Sometimes’ Mantra
  • Don’t Forget the Value of Life Settlements
  • Are Life Settlements Back?
• Category: Pre-Purchase Perspective Program
• Category: Questions & Answers
  • Is Term Insurance a Commodity?
  • Effect of Loan on Life Insurance Policy
  • Q&A: Opinion of IUL Policies
• Category: Resources
• Category: Strategies
• Category: Success Stories
  • Success Story: Life Insurance Loan Refinancing
  • Vetting a Premium Finance Deal
  • Success Stories: A Plain Jane Policy Analysis
  • Success Story: Another Second Opinion
  • Success Story: Details of a Life Insurance Fraud Case
  • Timing of Premium Payments
  • Success Story: Life Settlement Saves the Day
  • Success Story: Salvaging Loss in a Life Insurance Policy
  • Success Story: Managing Life Insurance – What does that mean?
  • Success Story: “Shooting from the Hip” – Hit or Miss
  • Success Story: The Importance of the “Second Opinion”
• Category: Trust & Estates Publications
• Category: Typical Fee Based Consulting Scenarios
• Category: Uncategorized
  • Hello world!
• Category: Videos
  • Introduction to Premium Financing by Bill Boersma
  • Testing and Modeling Life Insurance by Bill Boersma & Marty Shenkman
  • What kind of life insurance should I buy? – by Bill Boersma & Marty Shenkman
  • Giving Life Insurance to Charity by Bill Boersma & Marty Shenkman
  • Category: Educational Videos
    • Term Insurance Considerations
  • Category: Marty Shenkman Videos