While those who know me understand that I can be critical of some aspects of the life insurance industry, I don’t throw carriers and agents under the bus for the fun of it. However sometimes I just have to shake my head.
In previous writings I have referenced the fact that some agents are Read more…
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.
7. When your Client is being sold new insurance and you want an independent second opinion.
8. When your client is considering getting rid of an existing life insurance policy.
9. When your client is party to an insurance funded Deferred Comp plan or any insurance funded executive benefit plan.
10. When your client is being sold permanent, cash value life insurance when you think all they need is term insurance.
11. When your client is being sold term insurance and you think they need permanent insurance.
12. When your client owns a policy or is being presented with a policy with performance depending on stock market returns.
Stay tuned for more….
I was in Orlando at the Heckerling Conference when the January Issue of Trusts & Estates came out. Richard Harris came by to see me and made a comment on my piece in the magazine and let me know he had an article in the same issue that I might like to read. At my first opportunity I read it and then tracked him down and told him that I was upset by what he wrote. Why? Because I was in the process of writing essentially the same article and he beat me to it. Of course I had some fun with that but now I am relegated to commenting about his article which may actually be a bit easier than completing my own. Read more…
We are pleased to have an article by Bill Boersma included in this month’s “Trusts & Estates” issue.
“Managing Life insurance”, Ongoing Management is Vital to Ensure Policy Performance, is a relevant and thought-provoking piece you will want to read thoroughly.
If you are not a regular subscriber to “Trusts & Estates”, you may follow the link below to access the article in its entirety.
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.
Stay tuned for more… believe me, there will be a lot more.
Recently a local advisor asked me what my thoughts are on guaranteed life insurance. I thought I would share with you my response.
Traditionally the consumer market has understood that all life insurance is guaranteed and decades ago it was. Since the seventies Read more…
As a life insurance consultant I am in the business of helping policy owners and their advisors understand what is almost universally deemed to be a very complicated product which offers little transparency. Read more…
Recently I listened to a piece on NPR which was based on an investigation by Bloomberg Markets magazine. There was a piece on July 28 on “All Things Considered” and a separate, related piece on July 29 on “Morning Edition.” Read more…
After all the activity and fuss regarding life settlements over the past number of years, why isn’t there as much conversation now as there used to be? Where is this market heading? Who should be paying attention?
Read more…
Let’s face it, not a lot of us are excited about life insurance. “A necessary evil” is how it is often described. Read more…
