How Not to Play God With Your Clients

We live in a culture marked by striving and entitlement. Sometimes those qualities are positive as they help us reach our goals and achieve great things. But getting what you want in business – and life in general – should be as much about the process as it is the goal. In a prior post, we talked about the idea of ownership from the “cosmic” point of view, that everything we use to get what we want in life, from other people to natural resources, are not ours to keep or claim. Because they are on loan to us from their Creator, they must get the respect they deserve. Our process of “acquiring” something is really a process of continually showing appreciation for being able to “have” something for the time allotted.

This deep and multifaceted idea has a multitude of practical applications in business. Many successful people live their lives mindful of the concept of ownership. This next series of articles will give you a glimpse into how people achieve success by not pretending they own their clients, their employees, or their profession. In short, they don’t play God.

A Shift In Perspective

When I first entered the life insurance business almost three decades ago, it was commonly believed that life insurance was sold, not bought. The feeling was that because consumers are naturally resistant to buying the product, they must be convinced to do so. A wide variety of tactics were taught, all of them aimed at pushing your prospect to make a purchase.

This approach to selling is very presumptuous, to say the least. It’s almost as if the salesman feels entitled to the sale, and that the consumer simply needs to be forced to make the purchase. The salesman “wins” when the client “gives it up.” Because of this approach to client acquisition, it should be no surprise that the buying public has developed such a low opinion of life insurance salespeople.

Don’t Act Like A Salesperson

I had the good fortune of being set straight by a prospective client early in my career. I had spent weeks courting an investment banker for an initial appointment. This gentleman was an ideal client and would be on the A-list of any financial services representative. He had a need for a large policy, ample means to pay for it, and a desire to make the purchase immediately. In my mind, I had already spent my commission!

I arrived early to his office in the financial district of Manhattan. As I sat in the waiting room, I admired all the signs of his wealth that were woven into the decor: the exotic furnishings, the paintings, the expensive carpeting. Here was a man who earned big money and spent big money.

He came into the waiting room and saw me admiring his “stuff.” He looked me up-and-down and simply said, “If you want to do business with me, then don’t act like a life insurance salesman.”

Right. Got it. People who can spend $2 million on a boat don’t get coerced into making a purchase. They spend their money as they see fit, on people for whom they have respect and can trust. They simply have no time for amateurs who are out to game them.

Be Character Conscious

One way you earn such respect is by building a character that is consistent and steadfast.

Steven Siebold makes this exact point when he talks about how those who are world class are also character conscious:

“Champions take the high road and are known to do what they say they will do…They make deals with other champions on a handshake, and view it as a binding contract…Champions will push only to the limits their character will allow. When their ambitions and drives begin to adversely affect other people, Champions pull back. Character is what separates ambitious champions from ambitious criminals.” (Siebold, 213)

Needless to say, champions show the same character to clients small, medium, and large. You can’t get away with playing God with some clients and not playing God with others. Character requires consistency, and character will be rewarded.

What examples come to mind of the benefits of being character conscious? Have you seen these ideas play out in your personal and business life? I’d love to know what you think! Contact me at skobrin@stevenkobrin.com.

About Steve

Steven H. Kobrin, LUTCF, owns and operates a national life insurance brokerage. He is a life insurance specialist, and expert in helping clients that are higher-risk or need special handling. He is affiliated with a premier general agent and master general agency to distribute top-of-the-line financial produces and services. Through them, he forms strategic partnerships with insurance brokers, financial advisors, and financial institutions to expand client services, increase sales, and generate referral income.

“Compare term life insurance rates at no cost from top rated companies in seconds.”
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(1)

 

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Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

Does Your Life Insurance Need Special Handling? Commonly Asked Questions About the Purchase of Life Insurance, Completed

Congratulations for making it to the sixth and final post in the Special Handling series, where we’ve taken a deep dive into the world of underwriting and prequalification, unique challenges that can arise, and many, many questions that come up in the process. In our final installment, we are answering frequently asked questions about quotes and what to expect in the underwriting process.

16. I Received A Quote From An Online Service And Their Rate Is Lower Than Yours. Why Is That?

The difference comes down to the level of service. My business model is based on the exemplary standard of an approval at the rate quoted. We invest heavily in each client and make sure we provide underwriters with thorough and accurate quote information so we can report back to you with both competitive and reliable quotes. We will pay for copies of your records and do everything else needed so you can apply for coverage confident of the outcome. This above and beyond level of service is extremely hard to match with an online agency.

17. If I Like The Quote You Give Me And Agree To Apply For A Policy, What Happens Next?

Once you choose the company and product you want to apply for, formal underwriting will begin. My underwriting team will contact you to complete the application. They will ask you for your driver’s license number, employment data, and all the other information that was not needed for prequalification but is necessary for the underwriting process. They will order additional medical records if needed, schedule your medical exam, and obtain all the other requirements necessary for an approval.

18. How Long Does Underwriting Take?

The underwriting of your formal application typically takes 4 to 6 weeks. Since you have already been through prequalification, the process will be as efficient as possible. If medical records were used in your prequalification, then the process will be expedited because you already completed a primary underwriting requirement. Your cooperation with regards to scheduling your medical exam in a timely manner, complying quickly with additional paperwork requests, etc., can help move the process along as well. One thing that may hold up the process is the tendency for physician offices to be slow in their turnaround for record requests. If that occurs in your situation, I may need you to call them and accelerate the request.

19. Can Anything Happen During Underwriting To Prevent An Approval At The Rate Quoted?

Prequalification sets the stage for an approval at the rate quoted. As long as the information

that is obtained during underwriting is consistent with the information that you provided initially, you will be approved at the rate quoted.

However, there are times when people have medical conditions they are not even aware of. There have been many cases where people found out they had a blood disorder, or even cancer when they went through life insurance underwriting. In those cases, we prequalify you from the start, since you now represent a different risk profile. Our goal will be to get as close to the original price as possible, but if we can’t do that, then we will attempt to get the lowest rate the market has to offer. In the worst-case scenario, you may not be eligible for coverage, but we will offer guidelines to help you qualify down the road. We will attempt to identify what circumstances have to be in place for a carrier to make you an offer in the future.

20. What Is Your Role As My Broker Throughout The Entire Application Process?

As you can see from the answers above, I am your advocate and representative throughout the whole process. All the professionals and specialists involved in both prequalification and underwriting are accountable to me. I make sure your interests remain front and center.

Here’s an example of how I advocate for my clients. Let’s suppose I prequalified you with a certain company and underwriter A gave me a specific price. Then, when you submitted a formal application, underwriter B got assigned the case and says the rate should be higher, simply because of his assessment of the risk. My response to them will be, “not my problem”. The carrier needs to have integrity. Just because they have a difference of opinion in their underwriting department doesn’t mean that you should have to pay a higher price. If the information you disclosed at the forefront was thorough and accurate, the rate should stay the same. My job is to go to bat for you whenever and wherever I can.

I thoroughly enjoyed walking you through the ins and outs of purchasing life insurance. I understand that it is a serious and daunting endeavor to pursue, but it will be worth it in the end. The peace of mind and freedom that will come from knowing you, your loved ones, and your assets are protected are priceless! I am here to walk you through the difficult parts of purchasing life insurance so you can reap the benefits. If any other questions came to mind as you followed this series, or if you are ready to take the leap and start the prequalification process, I am happy to guide you through. Contact me at skobrin@stevenkobrin.com.

About Steve

Steven H. Kobrin, LUTCF, owns and operates a national life insurance brokerage. He is a life insurance specialist, and expert in helping clients that are higher-risk or need special handling. He is affiliated with a premier general agent and master general agency to distribute top-of-the-line financial produces and services. Through them, he forms strategic partnerships with insurance brokers, financial advisors, and financial institutions to expand client services, increase sales, and generate referral income.

 

Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

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Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

Using Life Insurance to Help Cover Your Business

Here are the answers to some questions commonly asked when using life insurance to cover the costs of your business when you pass away. Read More

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Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

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Compare your free life insurance quotes from top-rated companies online now!

 

Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

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Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

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Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

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Your High-Risk Life Insurance Questions Answered

Here are some answers to questions about obtaining life insurance if you are considered high risk. Read More

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We Need Holy Days As Well As Holidays

Believe it or not, the holiday season is upon us! For many of us, that means a break from work, time spent with family, and hopefully, some rest and relaxation. Taking the time to unwind during the holidays is much-needed and should be a priority, but is there more to it than just putting your feet up?

A Shift In Mindset

We often spend our holidays the same way we spend our weekends. We separate ourselves from work (at least for part of the time), and relax and enjoy a hearty meal at home or at the home of a relative or close friend. We might get together with others at a restaurant or hit the links at a golf course if the weather allows. If it’s too cold for golf, maybe we’ll head off to a resort. Other times a simple movie is all we need to unwind.

But for many, turning the holiday season into an extended weekend is not enough. Some of us want to dive into the deeper meaning of the season, attending special religious services or participating in community activities like volunteering at a soup kitchen or buying gifts for families in need. We want to observe the holidays in a spiritual way.

Holiness During The Holidays

I see all this searching for a deeper experience of life as an attempt to become part of something larger, to become dedicated to a higher purpose. Deep down, people truly need this. No matter how fulfilling or rewarding they find their job and their everyday activities, there is still a desire for something more. Holidays may be a break from the same old same old just like weekends, but just going through the holiday or weekend motions doesn’t make things special or memorable. It doesn’t create an atmosphere of holiness or cause us to focus on something higher than ourselves.

Unfortunately, many people are not comfortable taking traditional paths that lead to a holier life or they don’t know where to start. They can’t relate to formal religion and even the “spiritual” alternatives that have been developed don’t fit the bill. While we wish for one sole source to lead us to a life of holiness, we find countless available resources that only fill small pieces of the whole. It’s our job, then, to gather all these pieces into a cohesive, meaningful picture that will transform our lives.

Even if we are convinced we need to incorporate this philosophy of holiness into our lives, it’s often easier said than done. In his book, 177 Mental Toughness Secrets of the World Class, Steve Siebold alludes to the idea that leading a holy life is part of the journey to becoming world class and gives us some ideas of how to observe holidays in a holy way.

Formulate Your Life Dream And Vision

Siebold’s research has led him to the conclusion that in order to reach the world class level, you need to be intrinsically motivated. The world class lets their dreams, desires, and passions lead them and they stick to their beliefs when the going gets tough. Since the great ones move from logic-based motivators to emotion-based motivators, it’s essential to take some time to hash out your life goals, priorities and vision and learn how to motivate yourself to achieve them.

Remember Your Roots

The past has a lot to teach us. Going back and remembering where you came from and how far you’ve come will reinforce your belief in yourself and give you even more confidence to move ahead (1) (Siebold, 53-54). As we immerse ourselves in the holidays, reflect on your roots and remember that success is a self-fulfilling prophecy.

Engage In True Rest

In our society, we have lost the meaning of rest. We burn the candle at both ends and only let ourselves relax out of desperation, when we’ve hit rock bottom and can’t go further. Balance in this area is difficult to achieve. Even when we’re “off,” we’re usually “on” mentally. Find ways to recharge and strive to attain equilibrium between achievement and relaxation. Your soul will thank you.

Seek Solitude And Meditation

Many of the world’s highest-paid individuals are able to tap into the vast resources of their creative minds to produce products and services that solve the problems of the masses. This level of creative thought requires significant intellectual energy, which must be followed by intellectual rest and recovery. The great ones know the power of a quiet mind, and many invest time in solitude on a regular basis. They recognize that their performance depends on rest in mind, body, and spirit (Siebold, 219-220).

Apply And Practice

If any of this resounds with you, I encourage you to carve out some time to reflect, remember, and respond. Don’t let busyness and distractions turn these holidays into an extended weekend. Let your heart, mind, and soul observe the season fully and you will enter the new year with resolve and excitement for all 2018 will bring! I’d love to hear your thoughts on this concept of holy days instead of holidays. You can reach me at skobrin@stevenkobrin.com.

About Steve

Steven Kobrin is a life insurance expert with over 25 years experience. He serves high net-worth individuals and business owners as well as high risk and uninsurable “impaired cases.” Steven offers concierge life insurance process to ensure the policy is approved as it’s quoted. To learn more, visit his website, read his blog, connect with him on LinkedIn, or request a policy audit today by calling his office at (866) 633-1818 or by email at skobrin@stevenkobrin.com. Steven is a contributor to Investopedia, view his profile here.

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(1) Siebold, Steve. 177 Mental Toughness Secrets of the World Class. 3rd ed. London House Press, 2010.

 

Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

Does Your Life Insurance Need Special Handling? More of Your Questions Answered

If you’ve been following our Special Handling series, you know that we’ve covered prequalification and underwriting and the challenges the life insurance process can pose for different situations. We’ve also spent some time answering questions about those who are high-risk and how the life insurance marketplace works. Now, in our fifth installment, we will continue that dialogue and address concerns surrounding life insurance for businesses purposes.

11. How Much Life Insurance Should I Apply For?

Many people want life insurance, but they worry about how much it will cost them. As such, they want to see some rates and “back into” a purchase by balancing the amount of life insurance they would like to have with the amount of money they are willing to spend.

To help you make your decision, I will either give you a reliable quote as quickly as I can or get you into a “price ballpark” as soon as possible. This number would represent our educated opinion as to what the lowest possible premium would be. If it works for you, then we can continue with prequalification and solidify the price. If you don’t like the number, then you can reassess your purchase, possibly identifying an additional source of premium, or reducing the guarantee period for the coverage you want.

12. I Need This life Insurance Policy To Obtain A Loan From My Bank For My Business. Can You Ensure The Policy Covers The Loan?

The typical way to make sure this happens is to collaterally assign the benefits. Once your policy has been delivered and all delivery requirements have been submitted to the carrier, such as premium payment and signed receipt, coverage will go into effect. At that point, the carrier will assign the benefit to your bank.

Should you pass away before the loan is paid off, the claims department will notify the bank and require proof of the balance due. The bank will be paid the balance to clear your debt, and your beneficiary will receive the rest of the death benefit, if any exists. In these circumstances, both the client and their banker are usually anxious to close the deal. We work to fast-track the underwriting of your application and keep your banker updated on the status of the policy. My reassurance that the process is moving along is usually sufficient for them.

13. I Need This Policy To Be Owned By A Trust. How Does That Work?

The number one concern in this situation is to make sure the trust has been completed by the time your life insurance application has been approved. This way, the policy can be issued to the appropriate owner and beneficiary designations. We can submit the application without the trust, but then you and your attorney would have to expedite the legal work.

It’s important to avoid a scenario in which you get a good offer from the insurance carrier, but can’t accept the policy due to delays in finalizing the trust. You would then run the risk of something happening to your health, or otherwise affecting your eligibility for coverage, and losing the good offer.

14. My Business Will Be The Owner Of This Policy To Cover A Partnership Agreement. Will That Make Things Complicated?

The underwriting will be more complex in this case, but we handle these situations all the time and can manage them efficiently. You will need to provide basic financial data about your business, then, if you like, our underwriting team will coordinate with your controller or accountant. The underwriters will also need information regarding coverages on your partners to make sure there is parity. We also offer the option to bring in attorneys and financial planners to guide you in the structuring of the agreement, at no charge to you.

15. Once You Complete Prequalification, Am I Under Any Obligation To Do Business With You?

The simple answer is no, you are not. You do not sign a contract, nor do you pay for the prequalification service. However, as you will witness, I make a significant investment in giving you a competitive and reliable quote. I only provide this service for “ready buyers;” those who know they have a need for life insurance, have the means to pay for it, and desire to obtain a policy now. If you appreciate the value of becoming prequalified for coverage because it gives you confidence in the final outcome, my services are the right fit for you.

If you go through our prequalification process, you will not be submitting an application only hoping to be approved, let alone at the price you were quoted. We specialize in providing you with an application approved at the rate quoted. Our goal is to make life insurance quick, easy, and painless to purchase, regardless of your situation.

If this appeals to you, then contact me at skobrin@stevenkobrin.com. I would love to help you on your life insurance journey.

Keep an eye out for part 6 of this series, where we will answer even more questions about life insurance and the need for special handling.

About Steve

Steven Kobrin is a life insurance expert with over 25 years experience. He serves high net-worth individuals and business owners as well as high risk and uninsurable “impaired cases.” Steven offers concierge life insurance process to ensure the policy is approved as it’s quoted. To learn more, visit his website, read his blog, connect with him on LinkedIn, or request a policy audit today by calling his office at (866) 633-1818 or by email at skobrin@stevenkobrin.com. Steven is a contributor to Investopedia, view his profile here.

 

Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

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Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

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“Compare term life insurance rates at no cost from top rated companies in seconds.”
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Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

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Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

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Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

Spiritual Business Practices: It’s the Process That Makes Us Rich

Success and money. These are two powerful driving forces in our society. Everyone wants to be successful, and I don’t think anyone would turn down an opportunity to be wealthy. But attaining those things is where the trouble lies. What are your motivations? What perspective do you have as you go about your daily work?

What We Have Is Not Really Ours

Here is a contemporary rendition of an ancient fable:

The world’s most prominent scientists gather together and call God to a meeting. The group includes an astrophysicist, a molecular biologist, a geneticist, and the most accomplished professional of every other scientific discipline.

With as much respect as they could muster, they basically tell God that the jig’s up. “Anything you can do with life, we can do. All the power, knowledge, and technology needed to control life are now in human hands. We can modify it. We can prolong it. We can eliminate it. We can even create it!”

God listens to them patiently and raises an eyebrow at their last statement. “You can create life? Really? Show me.”

So the head of the group reaches down to scoop up a handful of soil to put into his test tube. “Not so fast,” declares God. “Get your own soil!”

The moral of the story is that no matter how much control people think they have over their lives, everything they do is still using material on loan from the Creator. This is an important perspective to have in everyday life, and even more so in business.

Perspective Of Ownership

Here’s why the lesson of this fable is significant: it puts the whole idea of ownership in proper perspective. Ownership is a way of distinguishing between my property and yours. For example, I own my home and you own yours. I own my business and you own your business. I have my own my life insurance policy and you have yours. What’s mine is mine, and what’s yours is yours. No one is going to argue with that. We can certainly share our respective properties, but that’s through an intentional agreement that we make with each other.

Ultimate Ownership

But even those basic examples only explain ownership in a relative sense. The idea of ultimate ownership is that the true owner is Whoever initially created it in the first place. Whether that’s our home, our business, our assets or all the other stuff we build, collect, and value. In the end, everything passes through our hands because when we die, we can’t take anything with us. Even the biggest building or the most precious stone ultimately returns to the dust it came from.

Does that thought sober you as much as it does me? This perspective reveals the true purpose behind what we actually do when we conduct business and engage in the marketplace. At best, we strive to obtain something that will be in our hands for a comparatively short amount of time. It makes us appreciate the process of getting there, of making the acquisition or selling the policy rather than focus solely on the final result.

Process And Priorities

In this series, we’ve looked at how success guru Steve Siebold believes that faith in a higher power brings true success. When it comes to the process and perspective of business practices, he states that the best decisions in life are made when people prioritize how they get what they want:

“The masses repeatedly attempt to create happiness from the outside in, whereas the great ones know sustained happiness stems from being and becoming, not acquiring and possessing. Average people have mastered short-term happiness, easily gained through instant gratification mechanisms…[but] the world class vests a substantial amount of time ensuring their future happiness by creating congruency between who they are, what they’re doing, and where they’re going. Champions are masters at doing such things as marrying the right person, selecting jobs they love and building friendships with people they admire and respect.” (67)

I know this is a lot to dwell on. But as you dive into your motivations and your everyday business practices, take some time to think about your perspective. Do you take control of everything you have or do you recognize that it was given to you for your time here on earth? Do you put all your energy into obtaining some end product or do you glean as much wisdom from the process as possible? I’d love to hear your thoughts and find out how your business perspectives affect your day-to-day life. Contact me at skobrin@stevenkobrin.com.

About Steve

Steven Kobrin is a life insurance expert with 25 years experience. He serves high net-worth individuals and business owners as well as high risk and uninsurable “impaired cases.” Steven offers concierge life insurance process to ensure the policy is approved as it’s quoted. To learn more, visit his website, read his blog, connect with him on LinkedIn, or request a policy audit today by calling his office at (866) 633-1818 or by email at skobrin@stevenkobrin.com. Steven is a contributor to Investopedia, view his profile here.

 

Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

Does Your Life Insurance Need Special Handling? More Answers to the Most Commonly Asked Questions

There are some things in life that seem so complicated that we often completely avoid them. In our Special Handling series, my goal is to make sure life insurance doesn’t fall into that category. I will answer some common questions and address concerns that come up in the life insurance process. In Part 3, we started discussing some issues that tend to arise for those who are considered high risk and require special handling. Let’s continue that dialogue now.

6. I’ve Been Declined Or Rated On Prior Applications. Will This Hurt Me?

Thankfully, the answer is no. It’s true that the underwriter will order a copy of your file from the Medical Information Bureau, which has your history of insurance applications. They will know what underwriting decisions have been made on your prior applications and if they see declinations or ratings, they will want more information.

My job is to make sure that this experience is not held against you. One of the benefits of prequalification is that it puts your application history into context. Many times people get declined or rated because they applied with the wrong company or because their broker did not sufficiently represent them. I will be able to put everything into perspective and make sure you get a fresh start.

7. How Long Will Prequalification Take?

It all depends on how long it takes to get thorough and accurate quote information. The obvious goal is to deliver a quote that is both competitive and reliable as quickly as possible. If I can get everything I need from one personal interview, then I should be able to give you numbers within a week. If medical records are required, then it could take a few more weeks, depending on how quickly your physician’s office hands over a copy of your file. We currently use a third-party service that stays on top of this process and increases our efficiency.

8. I Already Have Some Of My Medical Records. Can You Use Them?

The more documentation you have the better, so the answer to this question is yes. Odds are they will be useful for prequalification as long as they document and support your verbal disclosures about your medical condition. When you submit a formal application, the underwriter will probably order additional records to confirm there are no other underwriting issues to address.

9. Will My Personal Information Be Protected Through This Process?

We are all concerned about our privacy, especially these days when we hear about hacks to major companies on a weekly basis. We work hard to protect your information. Safeguards are built into the process to ensure we are following Health Insurance Portability and Accountability Act (HIPAA) standards. We do our part to protect you so that only authorized personnel have access to your quote information.

10. I Have A Policy But Would Like To See If There Are Better Options. How Can I Make Sure I Don’t Lose My Current Policy Before A New One Is In Place?

You are in control of this aspect of the process. Only the policy owner can terminate coverage and no broker has the authority to do so. Here is a plan to make sure you have continual coverage:

  • Hold on to your policy and keep making the payments.
  • If need be, change the premium mode to quarterly so you don’t end up paying too much past the time it takes to get the new policy in place.
  • When the new coverage is in effect, you can contact the existing carrier to cancel your previous policy. They should refund any unused premium.

It is my hope that these questions will give you some confidence and peace of mind and encourage you in your journey of finding life insurance coverage. If you want to have a personal conversation about any and all questions you may have, contact me at skobrin@stevenkobrin.com and be sure to download our free guide to buying life insurance.

Since there seems to be an unending list of questions about life insurance, we will continue addressing this topic in Part 5, so stay tuned!

About Steve

Steven Kobrin is a life insurance expert with 25 years experience. He serves high net-worth individuals and business owners as well as high risk and uninsurable “impaired cases.” Steven offers concierge life insurance process to ensure the policy is approved as it’s quoted. To learn more, visit his website, read his blog, connect with him on LinkedIn, or request a policy audit today by calling his office at (866) 633-1818 or by email at skobrin@stevenkobrin.com. Steven is a contributor to Investopedia, view his profile here.

“Compare term life insurance rates at no cost from top rated companies in seconds.”
https://www.insurenowdirect.com/stevenkobrin/Default.aspx

 

Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

Answers to High-Risk Life Insurance Questions

Do you have questions about obtaining life insurance if you are considered higher risk? Read More

 

Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

If I receive a life insurance payment and then I give some of that money to other relatives, will they be taxed on it?

This is an easy question for your accountant. Run it past them and confirm the answer is no. They’re doing your taxes any way, and this should be a topic… Read More

 

Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

What type of life insurance policy should I buy?

Here are the five factors that you need to know when making a decision to buy life insurance. If you follow them all, you can be sure to make a… Read More

“Compare term life insurance rates at no cost from top rated companies in seconds.”
https://www.insurenowdirect.com/stevenkobrin/Default.aspx

 

Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.