Comments for Bill Boersma: On Life Insurance

Comment on About Bill by Dennis

Dennis — Thu, 26 Jan 2012 20:25:43 +0000

I am interested in converting my practice from commission based for insurance to fee based, how does one go about it?

Comment on Points To Keep In Mind Regarding Life Insurance Based Accumulation Planning by Matthew Anderson

Matthew Anderson — Thu, 04 Aug 2011 19:31:18 +0000

Very timely Bill. I’m seeing a pick up in term conversion recommendations and new whole life recommendations from agents using the dividend rates of whole life as an IRR comparison to cash. After calculating the actual IRR on the whole life and a frank discussion of what’s really important to the client (death benefit or cash value buildup), the client generally goes in a different direction.

Comment on Points To Keep In Mind Regarding Life Insurance Based Accumulation Planning by Pete Hibbard

Pete Hibbard — Tue, 02 Aug 2011 13:18:31 +0000

Bill, I might add these questions: “Do you understand the difference between a withdrawal and a loan?” and “Do you understand that the projected income (policy loans) from the policy will be very different if you use wash loans verses market loans?” Pete

Comment on Thoughts on Guaranteed Life Insurance by Gina Davis-Lloyd

Gina Davis-Lloyd — Wed, 08 Jun 2011 21:00:57 +0000

Hi Bill,
You see Guaranteed UL the way I see it. First of all, I can’t even say UL and O.K. in the same sentence. I am not a fan. While looking over a Genworth GUL recently, I was bothered by all the disclosures and disclaimers about when a premium is paid. Heaven only knows when a person will pay their premium over the next 20 years, so what is the sense of thinking you may have a guarantee, when in fact you might loose it easily. I wasnt comfortable, so I didnt sell it, but I would like to know if their is a company you know of that isnt so sticky about the timing of the premium. Thank you, Gina Davis-Lloyd

Comment on Life Insurance Property Management Protocol by Noah Martin

Noah Martin — Tue, 25 Jan 2011 17:07:54 +0000

‘”; I am very thankful to this topic because it really gives great information -*:

Comment on Thoughts on Guaranteed Life Insurance by Pete Hibbard

Pete Hibbard — Sun, 28 Nov 2010 16:53:38 +0000

Bill, you’ve stated it well and you are right on the mark. Consumers are well confused by this guaranteed market. Pete

Comment on Thoughts on Guaranteed Life Insurance by Peter Haller

Peter Haller — Fri, 26 Nov 2010 13:59:38 +0000

Bill you and your associates are the only insurance advisors we turn to. We can rest easy with you in our corner. I want to personally thank you for all the clients that you and your co-wrokers have helped us with.

Peter Haller, VP
Founders Bank & Trust
Trust Administrator

Comment on Bill Boersma in the Grand Rapids Business Journal by crystal

crystal — Mon, 20 Sep 2010 16:31:24 +0000

Great information! arbolino.com is also a great place to get general insurance,business insurance and restaurant insurance.

Comment on Life Insurance Property Management Protocol by Isabelle White

Isabelle White — Wed, 28 Jul 2010 00:39:32 +0000

some insurance companies are very specific when quoting property damage, some won’t even pay a dime.”-,

Comment on What’s Up With Life Settlements? by jim teegarden

jim teegarden — Thu, 08 Jul 2010 05:40:47 +0000

bill- great article! i find your work very insightful and think we are of kindred spirit! keep up the good work! My firm has put over $35M of cash in clients pockets over the last 5 years both in death benefits and cash over and above their investment via settlements, and concur with your thoughts.