Life Insurance at Policy Maturity
The policy death benefit often doesn’t stay in force automatically; you have to ask for it. Two policy owners have been referred to me by two advisors in the past two weeks with the same question. “Can...
View ArticleTerm Insurance Considerations
If there was ever simple life insurance, term insurance would be it. It’s pretty straightforward: Your client has a death benefit for a specific term of years, and your client pays the premium. If your...
View ArticlePolicy Buy Back – Life Settlements
Learn more about Life Settlements here. OC Consulting Group / Bill Boersma The post Policy Buy Back – Life Settlements first appeared on Bill Boersma: On Life Insurance.
View ArticlePay Attention to Term Conversion
The insurance company may be allowed to alter the deal during the contracted term. It’s not often interesting talking about boring term insurance, but my most recent article seemingly touched on...
View ArticleLeimberg Article: Bill Boersma: Risk Profiles of Life Insurance – Don’t Take...
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View ArticleWhen a Life Insurance Company Wants to Buy a Policy Back
Why would they do this? What are the advantages/disadvantages of accepting this offer?I recently received another communication from a life insurance company looking to purchase back from the policy...
View ArticleModern Insurance Marketing
Understanding What You Need to Know But Don’tBy Bill Boersma A marketing piece by a well-known and major player in the life insurance industry was recently forwarded to me. It touted the track record...
View ArticleDear Policy Owner:
An explanation of why a policy can’t accept enough money Though this is pretty simple, I’ve run into it repeatedly lately, and regardless of how often I have to explain it to policy owners, it’s...
View ArticleA Major Consideration Regarding Term Insurance
What product the policy can be converted to is an important issue.Life insurance, in general, isn’t something that should be commoditized, though term insurance is the product many consumers feel has...
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