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About Us
Expertise
Life Insurance Consulting
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Trust & Estates Publications
Beware… Series
Letters of Explanation
Typical Fee Based Consulting Scenarios
Questions & Answers
Success Stories
External Links
Articles – Wealthmanagement.com
Professional Advisor Resource Site
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XpertLifeInsAdvice.com
LifeLoanRefi.com
LifeInsExpert.com
TheNAPIC.com
Blog
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Menu
Home
About Us
Expertise
Life Insurance Consulting
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Beware… Series
Letters of Explanation
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Questions & Answers
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External Links
Articles – Wealthmanagement.com
Professional Advisor Resource Site
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Pages
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
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
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
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 in the Coronavirus Era
Life Insurance Loan Refinancing
Life Settlement Saves the Day
Life Settlements
Litigation Support
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
Policy Buy Back- Life Settlement
Policy Funding Options
Policy Loan & Dividend Management
Policy Valuation/Appraisal Assist.
Policy Valuations
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: 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
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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 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
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Beware Series
Beware … Term Convertibility
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Dear Policy Owner:
Modern Insurance Marketing
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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
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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
Life Insurance Survey by Bill Boersma & Henry Montag
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
Regulatory Changes re: Planning with Captives
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
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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