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Understanding Golf Ball Compression Ratings

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Understanding Golf Ball Compression Ratings

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For more than three decades, healthcare expert Warren Wamberg has worked in various capacities including at Human Longevity, where he served as the president of the insurance division. An author of three life insurance and investment strategy books, Warren Wamberg enjoys golfing when he has the time.

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For more than three decades, healthcare expert Warren Wamberg has worked in various capacities including at Human Longevity, where he served as the president of the insurance division. An author of three life insurance and investment strategy books, Warren Wamberg enjoys golfing when he has the time.

There are multiple golf balls on the market that are d esigned to accommodate a wide array of abilities. When selecting a golf ball, compression is a major factor that should be considered. Compression measures how a golf ball compresses or flattens out when it is hit by the club face. Most golf balls have a compression rating of between 40 and 100. Low compression balls (with lower numbers) are softer, making it easier for players with slow swing speeds such as beginners and high handicap golfers to achieve the spring-like effect from the ball which translates into more distance.

Higher compression balls are harder, making them ideal for experienced players who can achieve high swing speeds while maintaining control. Low compression balls on the compression chart are rated between 70-80, while high compression balls are rated 90 or higher. For players to benefit the most from the ball's compression, you need to select a ball whose compression rate matches your swing speed. When someone with a high swing speed uses a low compression ball, the ball is compressed more than is ideal, reducing both distance and control. Similarly, a golfer with a slower swing speed using a ball with too high a compression rating will fail to compress the ball, compromising distance and accuracy. There is one other factor to consider. When it's cold, all balls can become extremely hard, effectively raising their compression rating. In this case, golfers may opt to use a lower than normal compression ball to compensate.

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Understanding Golf Ball Compression Ratings

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For more than three decades, healthcare expert Warren Wamberg has worked in various capacities including at Human Longevity, where he served as the president of the insurance division. An author of three life insurance and investment strategy books, Warren Wamberg enjoys golfing when he has the time.

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New Gene Therapy Approach Targets Hemoglobinopathies

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New Gene Therapy Approach Targets Hemoglobinopathies

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Warren Wamberg is a financial services executive with in-depth knowledge of the bank-owned life insurance sphere. Also active in health research and technologies, Warren Wamberg attended the 2020 Cleveland Clinic Innovations virtual conference and gained insight into the 10 top innovations of the year.

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New Gene Therapy Approach Targets Hemoglobinopathies

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Warren Wamberg is a financial services executive with in-depth knowledge of the bank-owned life insurance sphere. Also active in health…

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An experienced executive, Warren Wamberg has led companies in various industries, including insurance. In 1995, Warren Wamberg published his book “The Theory & Practice of Bank-Owned Life Insurance,” which explains how this insurance works and why banks use it.

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An experienced executive, Warren Wamberg has led companies in various industries, including insurance. In 1995, Warren Wamberg published his book "The Theory & Practice of Bank-Owned Life Insurance," which explains how this insurance works and why banks use it.

Bank-owned life insurance (BOLI) is a type of life insurance t hat is purchased and owned by a bank, which is the beneficiary of the policy. BOLI acts as a tax shelter for financial institutions to offset the cost of employee benefits. With this kind of insurance, the bank sets up the contract and funds the insurance trust account, and all employee benefits covered under the plan are paid out from this fund. Payments to the fund and capital appreciation are tax-free for the bank, which helps the bank offset potential losses while funding employee benefit programs.

According to the U.S. Department of the Treasury's Office of the Comptroller of the Currency (OCC), banks can purchase BOLI policies for employee compensation and benefit plans, key person insurance, insurance for the cost of pre- and post-retirement employee benefits, and for other specific uses.

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An experienced executive, Warren Wamberg has led companies in various industries, including insurance. In 1995, Warren Wamberg published his book "The Theory & Practice of Bank-Owned Life Insurance," which explains how this insurance works and why banks use it.

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How Does Bank-Owned Life Insurance Work?

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How Does Bank-Owned Life Insurance Work?

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Warren Wamberg is an established Southern California financial services executive who has authored several books. Among the topics of Warren Wamberg’s published works is bank-owned life insurance (BOLI), a tax efficient form of insurance that financial institutions employ in offsetting the costs associated with employee benefits.

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BOLI is typically purchased as a single premium, but may also be acquired gradually through annual premiums. With a BOLI policy, the bank acts as the beneficiary. Tax-deferred BOLI cash surrender values increase over time, while allowing the bank to claim a bookable income on the policy each month. At the time of the executive's passing, the bank receives death benefits, with no taxes assessed.

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How Does Bank-Owned Life Insurance Work?

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BOLI is typically purchased as a single premium, but may also be acquired gradually through annual premiums. With a BOLI policy, the bank acts as the beneficiary. Tax-deferred BOLI cash surrender values increase over time, while allowing the bank to claim a bookable income on the policy each month.