Securities Based Life Insurance; Opportunity or Inevitable Disaster?
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...
View ArticleWhat Is IRC Section 101(j)?
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...
View ArticleCan you trust what you hear or see?
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...
View ArticleBill Boersma in Trusts&Estates – Jan 2011!
“Managing Life Insurance” by Bill Boersma 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...
View ArticleBlog on Hedging Your Bets by Richard Harris, Trusts & Estates, January 2011
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...
View ArticleThe Goodman Triangle
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....
View ArticleObservations on Fee-Based Life Insurance Consulting
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...
View ArticleLife Insurance Premium Optimization
I continue to be amazed at the willingness of consumers in the market to put significant life insurance transactions in force with no outside analysis and no evident level of sophistication. Here is a...
View ArticleTaxation of Life Settlements
The life settlement market isn’t what it used to be but it’s not dead. We have negotiated a couple of life settlement transactions lately, so I have been reviewing IRS Revenue Rulings pertaining to...
View Article“Optimizing” Life Insurance
I periodically peruse the web to see what other insurance professionals are writing about. Sometimes I agree wholeheartedly and sometimes I just shake my head. Recently I saw a piece where the author...
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