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	<title>Bill Boersma:  On Life Insurance &#187; Life Insurance</title>
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	<description>Fee Based Life Insurance Consulting</description>
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		<title>Putting Life Insurance Consulting Fees Into Perspective</title>
		<link>http://www.billboersmaonlifeinsurance.info/archives/390#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed</link>
		<comments>http://www.billboersmaonlifeinsurance.info/archives/390#comments</comments>
		<pubDate>Mon, 09 Jan 2012 17:54:00 +0000</pubDate>
		<dc:creator>bboersma</dc:creator>
				<category><![CDATA[Life Insurance]]></category>

		<guid isPermaLink="false">http://www.billboersmaonlifeinsurance.info/?p=390</guid>
		<description><![CDATA[Whether anyone likes it or not, we are all used to paying fees for services.  In the investment management world, where it has largely gone from commission based to fee based, fees are a fact of life, the only question being, how much?
In the life insurance world, the idea of fee-based consulting, while gaining traction, [...]]]></description>
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		<item>
		<title>Another Half a dozen reasons to call an Independent Fee Based Life Insurance Consultant</title>
		<link>http://www.billboersmaonlifeinsurance.info/archives/380#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed</link>
		<comments>http://www.billboersmaonlifeinsurance.info/archives/380#comments</comments>
		<pubDate>Mon, 12 Dec 2011 21:43:52 +0000</pubDate>
		<dc:creator>bboersma</dc:creator>
				<category><![CDATA[Life Insurance]]></category>

		<guid isPermaLink="false">http://www.billboersmaonlifeinsurance.info/?p=380</guid>
		<description><![CDATA[I am often asked by professional advisors when it would be   appropriate   to call me in for the benefit of a client. It is always   good to get a   second opinion but here are a few instances when you   should pick up the   [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Another Half a dozen reasons to call an Independent Fee Based Life Insurance Consultant</title>
		<link>http://www.billboersmaonlifeinsurance.info/archives/377#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed</link>
		<comments>http://www.billboersmaonlifeinsurance.info/archives/377#comments</comments>
		<pubDate>Mon, 31 Oct 2011 20:16:52 +0000</pubDate>
		<dc:creator>bboersma</dc:creator>
				<category><![CDATA[Life Insurance]]></category>

		<guid isPermaLink="false">http://www.billboersmaonlifeinsurance.info/?p=377</guid>
		<description><![CDATA[I am often asked by professional advisors when it would be  appropriate   to call me in for the benefit of a client. It is always  good to get a   second opinion but here are a few instances when you  should pick up the   phone and talk [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Life Insurance Premium Optimization</title>
		<link>http://www.billboersmaonlifeinsurance.info/archives/374#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed</link>
		<comments>http://www.billboersmaonlifeinsurance.info/archives/374#comments</comments>
		<pubDate>Mon, 24 Oct 2011 17:35:39 +0000</pubDate>
		<dc:creator>bboersma</dc:creator>
				<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Bill Boersma]]></category>
		<category><![CDATA[grand Rapids]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[Opportunity Concepts]]></category>
		<category><![CDATA[optimization]]></category>
		<category><![CDATA[premium]]></category>

		<guid isPermaLink="false">http://www.billboersmaonlifeinsurance.info/?p=374</guid>
		<description><![CDATA[I continue to be amazed at the willingness of consumers in the market to put life insurance transactions in force with no outside analysis and no evident level of sophistication.  Here is a very simple example.
Recently I was involved in some planning where the annual premium was $150,000 a year on a full pay [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Observations on Fee-Based Life Insurance Consulting</title>
		<link>http://www.billboersmaonlifeinsurance.info/archives/369#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed</link>
		<comments>http://www.billboersmaonlifeinsurance.info/archives/369#comments</comments>
		<pubDate>Tue, 04 Oct 2011 18:26:00 +0000</pubDate>
		<dc:creator>bboersma</dc:creator>
				<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Bill Boersma]]></category>
		<category><![CDATA[Concepts]]></category>
		<category><![CDATA[Fee]]></category>
		<category><![CDATA[grand Rapids]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[Opportunity]]></category>

		<guid isPermaLink="false">http://www.billboersmaonlifeinsurance.info/?p=369</guid>
		<description><![CDATA[As the founder and principal of Opportunity Concepts, LLC, a life insurance consulting and management practice, my days are filled working with policy owners and their advisors regarding many aspects of life insurance, from simple front-end, second opinions to in-depth, actuarially defensible analysis of portfolios of policies.  This is the story of a “typical” [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>What is the Comdex Score?</title>
		<link>http://www.billboersmaonlifeinsurance.info/archives/344#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed</link>
		<comments>http://www.billboersmaonlifeinsurance.info/archives/344#comments</comments>
		<pubDate>Tue, 30 Aug 2011 13:54:20 +0000</pubDate>
		<dc:creator>bboersma</dc:creator>
				<category><![CDATA[Life Insurance]]></category>

		<guid isPermaLink="false">http://www.billboersmaonlifeinsurance.info/?p=344</guid>
		<description><![CDATA[As a part of our insurance consulting and audit work, we generally review the financial strength of the current and any proposed insurance carriers.  Most people are familiar with the names of at least some of the ratings agencies, especially given recent news accounts.  However, we rarely talk about the ratings that individual agencies give [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Points To Keep In Mind Regarding Life Insurance Based Accumulation Planning</title>
		<link>http://www.billboersmaonlifeinsurance.info/archives/323#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed</link>
		<comments>http://www.billboersmaonlifeinsurance.info/archives/323#comments</comments>
		<pubDate>Mon, 25 Jul 2011 16:06:27 +0000</pubDate>
		<dc:creator>bboersma</dc:creator>
				<category><![CDATA[Life Insurance]]></category>

		<guid isPermaLink="false">http://www.billboersmaonlifeinsurance.info/?p=323</guid>
		<description><![CDATA[Years ago I was brought into a case for some Second Opinion work by an advisor for his client.  The client had a proposal on the table for a cash value policy and the accumulating cash value was a major point of the presentation.  The advisor wanted to know that the client was getting the [...]]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Policy Owner vs. Insured vs. Beneficiary vs. Payor</title>
		<link>http://www.billboersmaonlifeinsurance.info/archives/310#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed</link>
		<comments>http://www.billboersmaonlifeinsurance.info/archives/310#comments</comments>
		<pubDate>Thu, 02 Jun 2011 20:02:38 +0000</pubDate>
		<dc:creator>bboersma</dc:creator>
				<category><![CDATA[Life Insurance]]></category>

		<guid isPermaLink="false">http://www.billboersmaonlifeinsurance.info/?p=310</guid>
		<description><![CDATA[It seems like my team and I are regularly answering questions regarding policy ownership and beneficiary designations.
Here are a few situations from the past month or so:
Agent: My client wants to buy a $1,000,000 policy in the company on a key man and have the company pay for it and make his family the beneficiary [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>The Goodman Triangle</title>
		<link>http://www.billboersmaonlifeinsurance.info/archives/308#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed</link>
		<comments>http://www.billboersmaonlifeinsurance.info/archives/308#comments</comments>
		<pubDate>Wed, 18 May 2011 19:51:13 +0000</pubDate>
		<dc:creator>bboersma</dc:creator>
				<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Bill Boersma]]></category>
		<category><![CDATA[Goodman]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[Opportunity Concepts]]></category>
		<category><![CDATA[The Goodman Triangle]]></category>
		<category><![CDATA[The Risk of Life Insurance]]></category>
		<category><![CDATA[Triangle]]></category>

		<guid isPermaLink="false">http://www.billboersmaonlifeinsurance.info/?p=308</guid>
		<description><![CDATA[I regularly get asked about the “Insurance Triangle”, what it is and how it plays into things.  This is a reference to the “Goodman Triangle” Goodman V. Commissioner, 156 F.2d 218
In this case Mrs. Goodman transferred five existing policies insuring her husband’s life to a Revocable life insurance trust.  Beneficiaries of the trust were her [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Another Half a dozen reasons to call an Independent Fee Based Life Insurance Consultant</title>
		<link>http://www.billboersmaonlifeinsurance.info/archives/303#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed</link>
		<comments>http://www.billboersmaonlifeinsurance.info/archives/303#comments</comments>
		<pubDate>Thu, 12 May 2011 16:04:56 +0000</pubDate>
		<dc:creator>bboersma</dc:creator>
				<category><![CDATA[Life Insurance]]></category>

		<guid isPermaLink="false">http://www.billboersmaonlifeinsurance.info/?p=303</guid>
		<description><![CDATA[I am often asked by professional advisors when it would be appropriate   to call me in for the benefit of a client. It is always good to get a   second opinion but here are a few instances when you should pick up the   phone and talk to me.
13. When [...]]]></description>
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