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   * Litigation Support
   * Expert Witness Services
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   * Portfolio Optimization
   * Policy Valuations
   * Tax Analysis
   * Life Settlements
   * Industry Speaking & Education
 * Resources
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   * Beware… Series
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     * Articles – Wealthmanagement.com
     * Professional Advisor Resource Site
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     * XpertLifeInsAdvice.com
     * LifeLoanRefi.com
     * LifeInsExpert.com
     * TheNAPIC.com
 * Blog
 * Contact

 * (616) 456-1000

 * Home
 * About Us
 * Expertise
   * Life Insurance Consulting
   * Analysis & Management
   * Litigation Support
   * Expert Witness Services
   * Acquisition & Divestiture Support
   * Portfolio Optimization
   * Policy Valuations
   * Tax Analysis
   * Life Settlements
   * Industry Speaking & Education
 * Resources
   * Strategies
   * Educational Videos
   * Pre-Purchase Perspective Program
   * Trust & Estates Publications
   * Beware… Series
   * Letters of Explanation
   * Typical Fee Based Consulting Scenarios
   * Questions & Answers
   * Success Stories
   * External Links
     * Articles – Wealthmanagement.com
     * Professional Advisor Resource Site
     * Life Insurance Loan Refinancing
     * Litigation Support and Expert Witness Services
     * XpertLifeInsAdvice.com
     * LifeLoanRefi.com
     * LifeInsExpert.com
     * TheNAPIC.com
 * Blog
 * Contact


 * Home
 * About Us
 * Expertise
   * Life Insurance Consulting
   * Analysis & Management
   * Litigation Support
   * Expert Witness Services
   * Acquisition & Divestiture Support
   * Portfolio Optimization
   * Policy Valuations
   * Tax Analysis
   * Life Settlements
   * Industry Speaking & Education
 * Resources
   * Strategies
   * Educational Videos
   * Pre-Purchase Perspective Program
   * Trust & Estates Publications
   * Beware… Series
   * Letters of Explanation
   * Typical Fee Based Consulting Scenarios
   * Questions & Answers
   * Success Stories
   * External Links
     * Articles – Wealthmanagement.com
     * Professional Advisor Resource Site
     * Life Insurance Loan Refinancing
     * Litigation Support and Expert Witness Services
     * XpertLifeInsAdvice.com
     * LifeLoanRefi.com
     * LifeInsExpert.com
     * TheNAPIC.com
 * Blog
 * Contact

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   * Industry Speaking & Education
 * Resources
   * Strategies
   * Educational Videos
   * Pre-Purchase Perspective Program
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   * Beware… Series
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   * Questions & Answers
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   * External Links
     * Articles – Wealthmanagement.com
     * Professional Advisor Resource Site
     * Life Insurance Loan Refinancing
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     * LifeLoanRefi.com
     * LifeInsExpert.com
     * TheNAPIC.com
 * Blog
 * Contact


 * Home
 * About Us
 * Expertise
   * Life Insurance Consulting
   * Analysis & Management
   * Litigation Support
   * Expert Witness Services
   * Acquisition & Divestiture Support
   * Portfolio Optimization
   * Policy Valuations
   * Tax Analysis
   * Life Settlements
   * Industry Speaking & Education
 * Resources
   * Strategies
   * Educational Videos
   * Pre-Purchase Perspective Program
   * Trust & Estates Publications
   * Beware… Series
   * Letters of Explanation
   * Typical Fee Based Consulting Scenarios
   * Questions & Answers
   * Success Stories
   * External Links
     * Articles – Wealthmanagement.com
     * Professional Advisor Resource Site
     * Life Insurance Loan Refinancing
     * Litigation Support and Expert Witness Services
     * XpertLifeInsAdvice.com
     * LifeLoanRefi.com
     * LifeInsExpert.com
     * TheNAPIC.com
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 * Contact


BILL'S BLOG

Articles of objective information to drive informed decisions .




LIFE INSURANCE: DEFINED BENEFIT OR DEFINED CONTRIBUTION

December 17, 2024

Clients need to pay attention, because the world has changed.  By Bill Boersma
In my ongoing effort to educate people on how life insurance works

Full Article ⟶


THE WORST LIFE INSURANCE DEAL EVER

December 16, 2024

Why you should never buy annual renewable term.  By Bill Boersma I’ve written
about how expensive association term and group term is, how poor the

Full Article ⟶


DON’T UNDERRATE TERM INSURANCE

December 11, 2024

It can be a good, cheap solution for many clients.  By Bill Boersma A younger
attorney asked me some time ago to get some term

Full Article ⟶


A RAPACIOUS CONSUMER OF CASH – PART 2

December 4, 2024

A peek at the expenses of an IUL contract. The Basics To make sense of some of
this we have to go back and review

Full Article ⟶


A RAPACIOUS CONSUMER OF CASH – PART 1

November 25, 2024

A peek at the expenses of an IUL contract. By Bill Boersma These were the words
out of the mouth of an attorney I was

Full Article ⟶


READ THE LIFE INSURANCE POLICY MATURITY FINE PRINT

November 21, 2024

No wonder people don’t trust insurance companies.  By Bill Boersma A number of
times I’ve had families come to me with life insurance policies on

Full Article ⟶


DO LIFE INSURANCE DIVIDENDS AND CREDITING RATES MEAN ANYTHING?

November 21, 2024

It’s time to separate fact from fiction.  By Bill Boersma If I hear another
policy owner touting the rate of return he’s getting on his

Full Article ⟶


PREMIUM FINANCING LITIGATION SUPPORT | EXPERT WITNESS

November 19, 2024

Full Article ⟶


AN UNFORTUNATE LIFE INSURANCE POLICY LOAN CONVERSATION

November 13, 2024

What your client doesn’t know certainly can hurt them.  By Bill Boersma Life
insurance policy loans trip up more people than I thought could ever

Full Article ⟶


PARSING LIFE INSURANCE NUMBERS

November 12, 2024

What’s real? By Bill Boersma Though I knew about this years earlier, I still
listened with interest when an associate recently told me about something

Full Article ⟶


THE TRAGEDY OF GROUP TERM

November 7, 2024

Steer clear unless it’s the only option.  By Bill Boersma Even though this isn’t
my primary market, I can’t stop thinking about association and group

Full Article ⟶


IDENTIFYING AN UNSALVAGEABLE LIFE INSURANCE POLICY

November 7, 2024

A sample letter of explanation to a trustee about an underfunded policy.  By
Bill Boersma The following is an email I just sent to a

Full Article ⟶

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