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• A Life Insurance Primer: Life Insurance Basics
• A Plain Jane Policy Analysis
• About Bill Boersma
• About OC Consulting Group
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• Beware… Series
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• Considerations Regarding Trust Owned & Individual Life Insurance
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• 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
• Life Settlements
• Litigation Support
• 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
• 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 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 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
  • Which of the Following Best Describes Term Life Insurance Policy
  • 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
  • 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
• 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