Billboersmaonlifeinsurance.info Summary

Billboersmaonlifeinsurance.info was created 16 years ago. Server is located in United States, IP address 107.180.50.239.

Website Info

Creation date	2009-05-26
Expiration date	2022-05-26
Registrar	GoDaddy.com, LLC
Name servers	ns35.domaincontrol.com ns36.domaincontrol.com
IP address	107.180.50.239
Server located	United States, Ashburn
Host name	ip-107-180-50-239.ip.secureserver.net

Alexa Traffic Ranks

Global Rank	n/a
Delta (90 Days)	n/a
Most Popular In Country	n/a
Country Rank	n/a

Whois info

Domain Name: BILLBOERSMAONLIFEINSURANCE.INFO

Registry Domain ID: D28619577-LRMS

Registrar WHOIS Server: whois.godaddy.com

Registrar URL: http://www.godaddy.com

Updated Date: 2020-05-27T16:22:05Z

Creation Date: 2009-05-26T17:31:07Z

Registrar Registration Expiration Date: 2022-05-26T17:31:07Z

Registrar: GoDaddy.com, LLC

Registrar IANA ID: 146

Registrar Abuse Contact Email: abuse@godaddy.com

Registrar Abuse Contact Phone: +1.4806242505

Domain Status: clientTransferProhibited http://www.icann.org/epp#clientTransferProhibited

Domain Status: clientUpdateProhibited http://www.icann.org/epp#clientUpdateProhibited

Domain Status: clientRenewProhibited http://www.icann.org/epp#clientRenewProhibited

Domain Status: clientDeleteProhibited http://www.icann.org/epp#clientDeleteProhibited

Registrant Organization: Opportunity Concepts

Registrant State/Province: Michigan

Registrant Country: US

Registrant Email: Select Contact Domain Holder link at https://www.godaddy.com/whois/results.aspx?domain=BILLBOERSMAONLIFEINSURANCE.INFO

Admin Email: Select Contact Domain Holder link at https://www.godaddy.com/whois/results.aspx?domain=BILLBOERSMAONLIFEINSURANCE.INFO

Tech Email: Select Contact Domain Holder link at https://www.godaddy.com/whois/results.aspx?domain=BILLBOERSMAONLIFEINSURANCE.INFO

Name Server: NS35.DOMAINCONTROL.COM

Name Server: NS36.DOMAINCONTROL.COM

DNSSEC: unsigned

URL of the ICANN WHOIS Data Problem Reporting System: http://wdprs.internic.net/

DNS Records

Host	Type	TTL	Data
billboersmaonlifeinsurance.info	A	10800	ip: 107.180.50.239
billboersmaonlifeinsurance.info.com	CNAME	300	target: infohosted.infospace.com
billboersmaonlifeinsurance.info	MX	3600	pri: 0 target: mail.billboersmaonlifeinsurance.info
billboersmaonlifeinsurance.info	NS	3600	target: ns36.domaincontrol.com
billboersmaonlifeinsurance.info	NS	3600	target: ns35.domaincontrol.com
billboersmaonlifeinsurance.info	SOA	3600	mname: ns35.domaincontrol.com rname: dns.jomax.net serial: 2018062201 refresh: 28800 retry: 7200 expire: 604800 minimum-ttl: 3600
billboersmaonlifeinsurance.info	TXT	3600	txt: google-site-verification=1nR77EbzagyXtKOQLPyOsQEMZSjJLQsXftEj_ZgoBBo
billboersmaonlifeinsurance.info	TXT	3600	txt: v=spf1 a mx ptr include:secureserver.net ~all

HTTP Headers

Date: Tue, 01 Dec 2020 23:30:44 GMT
Server: Apache
X-Powered-By: PHP/7.2.34
Link: ; rel="https://api.w.org/"
Upgrade: h2,h2c
Vary: Accept-Encoding,User-Agent
Keep-Alive: timeout=5
Content-Type: text/html; charset=UTF-8
Connection: Close
Proxy-Connection: Close
x-encoded-content-encoding: gzip
x-encoded-content-length: 24239

Recently updated domains

Meta Tags

Title	Bill Boersma: On Life Insurance \| Fee Based Life Insurance Consulting
Description	Recently I was brought a situation by a family office through their attorney. The family wants to transfer/sell two $10,000,000 survivor life policies to another trust for planning purposes. The policy owner went to the two insurance carriers to ask for the 712 values or Interpolated Terminal Reserve (ITR). Though the two policies w ere the same death benefit on the same couple issued at the same time for the same kind of policy, the numbers came back very, very different from the two insurance carriers, each of which is one of the top rated and recognized carriers in the market. The cash value of each policy was roughly $1,500,000 and one carrier came back with a number exactly the same as the cash value and even stated on their communication "Please note that ABC Life uses the Net Cash Value as a proxy for the ITR." However, the other carrier came back with a $3,000,000 number. I've been involved in situations where the policy owner wants a number as high as possible and in others they are shooting for a low number. In this case they wanted to play fair and have a "real" number but not any higher than necessary. What makes things a bit difficult is that the traditional rules and historic rulings for policy valuations per t he IRS were from a time where insurance was very different and the secondary market didn't exist. Also, I've seen insurance companies come back with objectively ridiculous numbers, like a value equal to the death benefit. The situation I'm discussing today is proof that different insurance companies are taking different approaches so there isn't an objectively "correct" way to do this. Clearly the values of these two almost identical policies don't vary by such a margin. This means we have to introduce some sanity into the situation. While reasonable people will disagree about how this applies to life insurance, "Fair Market Value" is a relatively non-controversial term when it comes to many things commonly appraised. In my opinion, and the opinion of many I've consulted with, life insurance shouldn't be any different. If we're looking at a policy such as the one's noted above, which are on two insured individuals in their sixties with no health issues (there is no value in the life settlement market), there is literally no entity on the face of the earth that would offer more than the cash surrender value in an arm's length transaction. The fact that one carrier has a statutory reserve of $3,000,000 is meaningless. If they had $2,500,000 or $3,500,000 as a reserve amount would that change the fair market value of the policy? Of course not. Then why pay attention to that number? It's really quite silly. This is where a formal appraisal comes in handy and that's what we did in this case. The appraisal brought some sanity to the process and provided legitimate rationale. Though I'm not an accredited appraiser I am familiar with many appraisers around the country and know what they specialize in and which one to bring in for a given situation. For example, you don't use the same appraiser for a charitable donation of a life insurance policy as you would for an appraisal that accompanies a 706 or 709 tax return. There's no reason to pay top dollar for some purposes and you certainly don't want to cheap out for others. Paying for a policy appraisal has turned out to be one of the greater returns on investment I've seen in a number of situations.
Keywords	n/a

Websites to explore

childlifeunited.org

pattonfh.com

newel.com

pcot.jp

malagaeast.com

jrink.com

ambassadorbridge.com

favolafairfax.com

parrotslanding.com

yukari-ganka.jp