I would like to introduce you to a new concept in Life insurance - Life Insurance Portfolio Management. My company, Opportunity Concepts, LLC, based in West Michigan, looks at life insurance the way an analyst would approach any other financial investment - how is it performing relative to expectations when purchased, and how does it compare with what is currently available in the market? Professional financial periodicals consistently recommend active management of life insurance assets, but in practice this is seldom done. Opportunity Concepts fills this gap, often saving clients many thousands of dollars, and more importantly, avoiding catastrophic, sometimes irreplaceable loss of coverage and/or devastating tax consequences. The purpose of our consulting is to explain in simple terms: - How does life insurance work? - What are the problems that many policies are facing? - What is causing these problems? - How to deal with those problems? I am looking forward to helping you better understand life insurance for yourself and/or for the benefit of your client. -Bill Boersma