<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	>

<channel>
	<title>Bill Boersma:  On Life Insurance &#187; life insurance</title>
	<atom:link href="http://www.billboersmaonlifeinsurance.info/archives/tag/life-insurance/feed" rel="self" type="application/rss+xml" />
	<link>http://www.billboersmaonlifeinsurance.info</link>
	<description>Fee Based Life Insurance Consulting</description>
	<lastBuildDate>Tue, 10 Jan 2012 14:26:24 +0000</lastBuildDate>
	<generator>http://wordpress.org/?v=2.9.2</generator>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
			<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>
		<wfw:commentRss>http://www.billboersmaonlifeinsurance.info/archives/374/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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>
		<wfw:commentRss>http://www.billboersmaonlifeinsurance.info/archives/369/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<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>
		<wfw:commentRss>http://www.billboersmaonlifeinsurance.info/archives/308/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What Is IRC Section 101(j)?</title>
		<link>http://www.billboersmaonlifeinsurance.info/archives/181#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed</link>
		<comments>http://www.billboersmaonlifeinsurance.info/archives/181#comments</comments>
		<pubDate>Thu, 01 Apr 2010 12:45:32 +0000</pubDate>
		<dc:creator>bboersma</dc:creator>
				<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[101(j)]]></category>
		<category><![CDATA[Bill Boersma]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[Opportunity Concepts]]></category>

		<guid isPermaLink="false">http://www.billboersmaonlifeinsurance.info/?p=181</guid>
		<description><![CDATA[I am writing about this 2006 law today because, from my perspective and through personal experience, I do not see very many insurance and professional advisors talking with their clients about this issue.  The potential downside in terms of unexpected   taxation could make for a nasty surprise which your clients would almost assuredly [...]]]></description>
		<wfw:commentRss>http://www.billboersmaonlifeinsurance.info/archives/181/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Life Insurance Pricing… Where is it going?</title>
		<link>http://www.billboersmaonlifeinsurance.info/archives/103#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed</link>
		<comments>http://www.billboersmaonlifeinsurance.info/archives/103#comments</comments>
		<pubDate>Wed, 11 Nov 2009 15:45:23 +0000</pubDate>
		<dc:creator>bboersma</dc:creator>
				<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Bill Boersma]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[Life Insurance consulting]]></category>
		<category><![CDATA[Life Insurance Policy]]></category>
		<category><![CDATA[Life Insurance Pricing]]></category>
		<category><![CDATA[Opportunity Concepts]]></category>

		<guid isPermaLink="false">http://www.billboersmaonlifeinsurance.info/?p=103</guid>
		<description><![CDATA[It’s been widely understood that life insurance rates have been coming down since, well, forever. There was a point not too long ago where if an insured individual with a term insurance policy was willing to take an insurance physical and complete new paperwork every year, he could reduce his premium annually even though he [...]]]></description>
		<wfw:commentRss>http://www.billboersmaonlifeinsurance.info/archives/103/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Second–to–Die Term Insurance</title>
		<link>http://www.billboersmaonlifeinsurance.info/archives/39#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed</link>
		<comments>http://www.billboersmaonlifeinsurance.info/archives/39#comments</comments>
		<pubDate>Tue, 22 Sep 2009 18:15:16 +0000</pubDate>
		<dc:creator>bboersma</dc:creator>
				<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Bill Boersma]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[second-to-die]]></category>
		<category><![CDATA[Second-to-die term insurance]]></category>
		<category><![CDATA[term insurance]]></category>

		<guid isPermaLink="false">http://www.billboersmaonlifeinsurance.info/?p=39</guid>
		<description><![CDATA[How often do you hear “I’m going to give it away before I die”?  Or “I know I need that insurance for estate tax liquidity but cash flow is tight right now”?  How about  “The business will be fine unless both of us die”? And my favorite; “I’ll make a decision when the politicians [...]]]></description>
		<wfw:commentRss>http://www.billboersmaonlifeinsurance.info/archives/39/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Personalized Mortality Curve</title>
		<link>http://www.billboersmaonlifeinsurance.info/archives/32#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed</link>
		<comments>http://www.billboersmaonlifeinsurance.info/archives/32#comments</comments>
		<pubDate>Fri, 21 Aug 2009 12:52:22 +0000</pubDate>
		<dc:creator>bboersma</dc:creator>
				<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Bill Boersma]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[Mortality]]></category>
		<category><![CDATA[Opportunity Concepts]]></category>
		<category><![CDATA[Personalized Mortality Curve]]></category>

		<guid isPermaLink="false">http://www.billboersmaonlifeinsurance.info/?p=32</guid>
		<description><![CDATA[I was working with an advisor recently who is involved in a typical situation; given the current economic environment, he has a client who is struggling to, or at least questioning if he should, pay his  life insurance policy premium payments.  We have a 78 year old individual who is paying $66,000 a year [...]]]></description>
		<wfw:commentRss>http://www.billboersmaonlifeinsurance.info/archives/32/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Bill Boersma in the Washington Post!</title>
		<link>http://www.billboersmaonlifeinsurance.info/archives/7#utm_source=feed&amp;utm_medium=feed&amp;utm_campaign=feed</link>
		<comments>http://www.billboersmaonlifeinsurance.info/archives/7#comments</comments>
		<pubDate>Wed, 04 Mar 2009 19:17:21 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Bill Boersma]]></category>
		<category><![CDATA[David Hilzenrath]]></category>
		<category><![CDATA[economic climate]]></category>
		<category><![CDATA[failing life insurance]]></category>
		<category><![CDATA[insurance carriers failing]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[life insurance loan]]></category>
		<category><![CDATA[Los Angeles Times]]></category>
		<category><![CDATA[The Risk of Life Insurance]]></category>
		<category><![CDATA[Washington post]]></category>

		<guid isPermaLink="false">http://www.billboersmaonlifeinsurance.info/?p=7</guid>
		<description><![CDATA[Last month I wrote a commentary about a piece I heard on NPR when Robert Siegel spoke with Washington Post staff writer David Hilzenrath regarding life insurance companies and the risks facing them in this economic climate. 
 
For the fun of it I decided to shoot him an e-mail commending him on the piece but [...]]]></description>
		<wfw:commentRss>http://www.billboersmaonlifeinsurance.info/archives/7/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
	</channel>
</rss>

