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Posts Tagged ‘Bill Boersma’

Can you trust what you hear or see?

November 2nd, 2010 No comments

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…

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What Is IRC Section 101(j)?

April 1st, 2010 1 comment

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 Read more…

Securities Based Life Insurance; Opportunity or Inevitable Disaster?

November 19th, 2009 1 comment

Variable life insurance is a form of cash value life insurance where the risk of investment is put squarely on the shoulders of the consumer as opposed to the insurance company. At least in the real old days of the insurance market, investment risk was entirely on the shoulders of the carrier but since we entered Read more…

Life Insurance Pricing… Where is it going?

November 11th, 2009 No comments

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 was a year older and the new policy would last a year longer. In fact it was common for policy owners and agents who were on top of things to do Read more…

Second–to–Die Term Insurance

September 22nd, 2009 No comments

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 Read more…

Personalized Mortality Curve

August 21st, 2009 1 comment

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 Read more…

Bill Boersma in the Washington Post!

March 4th, 2009 2 comments
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. Read more…

Thoughts on a NPR All Things Considered piece…

February 5th, 2009 No comments

Yesterday afternoon I was listening to a piece on NPR’s All Things Considered about Ponzi schemes. When it wrapped up, Read more…