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Steve Kobrin’s Bio

A Life’s Mission: Protection

Self-defense

Steve’s life has been dedicated to protection. Growing up on the streets of New York City, he constantly protected himself and his friends from the local bullies and street toughs. This commitment to self-defense has evolved into a dedication to martial arts training, and activism within his community on safety and security matters.

Security for financial dependents

It’s no wonder that he eventually chose the profession of insurance sales, helping many others protect the financial interests of their families, estates, and businesses.

These principles, along with the religious upbringing his family gave him, has served as the bedrock of his business career. They are the foundation of both his insurance brokerage, the Kobrin Agency Inc., and now the Global Insurance Portal.  

The Protection of Client Interests

In 1998, Steve founded The Kobrin Agency Inc., an independent insurance brokerage based in New Jersey.  Steve can service clients in all 50 states through wholesale affiliations and has the capability of handling virtually all types of life insurance underwriting risks.  The firm provides a level of service worthy of the Fortune 100 corporate community and is a pioneer in Prequalification, to assure an approval at the rate quoted. http://www.approvedasquoted.com   The practice of prequalification is designed to promote integrity in the purchase of a life insurance policy by ensuring an approval at the rate quoted.

Protection on a Global Basis

In 2018, the Global Insurance Portal was founded and facilitated by Steven H Kobrin. It is an innovative insurance distribution outlet that provides access to a vast network of insurance providers, business owners, executives, high net worth and ultra-high net worth men and men, advisory firms, and corporations can obtain virtually all the insurance policies they need from one source – on a global basis.

Protection of American Values

In 1980 Steve graduated from Ramapo College of New Jersey, earning a BA in Environmental Studies. His primary focus was the protection of our “cultural environment” – the Conservation ethic that ensures the proper use of the natural environment and resolving social issues through critical thinking, interdisciplinary problem-solving, and innovative studies. He formulated the ideals of stewardship, community activism, and business innovation – people at all levels of society working together to secure a better future for our children.

These principles also guide him as a thought leader on contemporary social, cultural, political, and economic issues. Steve says “I see it as my job to protect the religious values, capitalist system, and national identity of our country.”  

His posts and essays on Planrisklive, Quora, Investopedia are designed to provide the information and inspiration needed to counter any and all threats to our way of life.  

Steve was recently interviewed on a radio show that is committed to education for children by friend and colleague, George Bailey.  They discussed Steve’s childhood and career along with the message he would like to pass on to the upcoming generation of consumers of financial products.  You can access the link 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.

A Second Look at Life Insurance Myths

http://www.dreamstime.com/royalty-free-stock-images-fact-myth-red-red-sit-opposite-ends-gray-board-balanced-gray-question-mark-white-image47624429Forbes recently published a very good article about life insurance myths and facts.

Listed below are each of the myths mentioned in the article.

After each myth I made a few comments about the real facts of the situation.

Do any of them surprise you?

Myth #1: Your employer-provided life insurance is all you need.

Good points regarding employer coverage:

  1. It may not be enough;
  2. It may not be portable; and
  3. It may not be the best price.

Myth #2:  Only the breadwinner needs life insurance.

Good points regarding the stay-at-home spouse.

Money is needed to replace his or her services, as well as to allow the surviving parent to spend more time with the children.

Myth #3: Life insurance is really expensive.

People very frequently fear life insurance is too costly.

Unfortunately, a lot of this stems from brokers misleading them on prior shopping occasions.

Myth #4: My health disqualifies me from life insurance.

These are good points regarding eligibility for coverage.

I would add that since companies tend to specialize in underwriting specific risks, extraordinary offers can be made for policies that do not have coverage limits.

Myth #5: Everyone should buy term and invest the difference.

The strategy of buying term and investing the rest only works for people who really need term insurance and who can really invest the rest.

People often make changes in their financial plan as life goes along. These changes can include having an unexpected child, refinancing a mortgage, taking out an unexpected loan, or having a retirement fund underperform. All these events could call for life insurance for a longer period of time than anticipated.

In addition, people need discipline, focus, and effective management to “invest the rest”. If even one of these factors is not in place, then that strategy may very well not work.

Myth #6: You get a better deal purchasing life insurance online.

I think the Internet is not just a poor place to buy life insurance, but a poor place to even shop for life insurance.

People really have no idea how their insurability will be assessed until they deal with an expert broker.

Looking at rates on a website in the hope and prayer you qualify for them is not productive.

Myth #7: You’re too young to worry about life insurance.

Since life insurance pricing is based on age, it makes much more sense to buy it when you’re young.

In addition, buying a cash value policy early can give it enough time to accumulate significant funds.

 

 

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.

Do You Feel Proud of Yourself?

Political commentator and columnist John Hawkins just gave America an uncompromising look at itself in Townhall.com. His essay is entitled, “5 Things America Should Still Be Ashamed of Doing.” I want to publicly thank him for the “morality check.”

The five things are: Acting Like A Skank In Public, Allowing Your Children To Inconvenience Other People, Being On The Dole, Politicians Lying To The Public, Promoting Separatism And Race Hatred. I think every item on this list hits the mark. I might even add a sixth item: Shirking Our Rights and Duites as Citizens. (We will save that for another time).

Let’s focus on #3 for a second, Being On The Dole. Here is a quote from Mr. Hawkins:

One of the best scenes in Cinderella Man came after James J. Braddock had a hand injury that killed his fighting career and he was forced to get welfare to feed his family. You could tell Braddock was utterly humiliated by the experience. Afterwards, when he started making money boxing again, as a matter of pride, he went and paid the money back. If everybody felt that way, there probably wouldn’t be a person alive who had a problem with welfare…

You’re supposed to be ashamed of not being able to pay your own way. It should be EMOTIONALLY PAINFUL for you to live off other people and if it’s not, it’s a sign that something has gone wrong with you as a human being.

Yes! To live contrary to our inner drive for independence is to lead a pained life. Not only do you suffer, but others can suffer as well.

In my home community, we recently experienced the tragedy of a young father dying of a heart attack. He was only in his 30s and left a pregnant wife and six other kids. He had no life insurance and very little savings.

Fortunately, people stepped up and donated to charity to preserve the welfare of the family. But don’t think for a minute that being forced to live on handouts was good for their morale. Besides which, if he had purchased life insurance, communal funds could have been used for others in need. Disaster victims, abused wives seeking shelter, and many others in crisis could have been helped. Public money only goes so far.

Very affluent people can feel shame too. Can you imagine inheriting a huge business or piece of land, but having no money to pay estate taxes? You would have to sell this asset at a great discount just to pay that bill on time. It would be emotionally painful to lose value on what is yours and let people take advantage of your misfortune. That is a big reason why wealthy people buy life insurance.

Whether you are rich or poor, financial self-sufficiency can keep you proud. Thanks for reminding us of that, John.

Are you proud?

 

 

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.

The Roaring Twenties


Okay. You are in your twenties and starting your career. Or, maybe your child, grandchild, sister or brother is in the work world at last. A job! Time to take care of all that stuff people must when they have responsibilities. The list is long: personal relationships, business relationships, rent money, transportation, food, clothing, fun money…

… and of course, life insurance. No? Not yet?

It really makes perfect sense to pick up a policy now. The price will never be cheaper. Huge amounts of cash could grow inside the policy over time. The death benefit will protect your future spouse and children, and help you get a mortgage or business loan.

Still not on the top of your hit list? There are reasons for that. Entrepreneur and author Jason Nazar talked recently in Forbes.com about the mindset people have in their twenties. He identified many advancements people can make in their thinking to get their lives together. By following his advice, it can become easier to make commitments that really pay off – such as buying a life insurance policy.

Here are some of his tips, and examples of how they can relate to this essential financial decision.

Jason Tip #1: “Time is Not a Limitless Commodity – I so rarely find young professionals that have a heightened sense of urgency to get to the next level. In our 20s we think we have all the time in the world to A) figure it out and B) get what we want. Time is the only treasure we start off with in abundance, and can never get back. Make the most of the opportunities you have today, because there will be a time when you have no more of it.” (1)

Steve comment: This advice is extremely relevant to the purchase of life insurance. The mortality clock is ticking, even though you do not hear it so loudly when you are young. Do not take for granted your mortality, your insurability, or your eligibility for the lowest rate available. One never knows.

Jason Tip #2: “You Need At Least 3 Professional Mentors – The most guaranteed path to success is to emulate those who’ve achieved what you seek. You should always have at least 3 people you call mentors who are where you want to be. Their free guidance and counsel will be the most priceless gift you can receive. (TIP: ‘The Secret to Finding and Keeping Mentors’) Pick an Idol & Act ‘As If’ – You may not know what to do, but your professional idol does. I often coach my employees to pick the businessperson they most admire, and act ‘as if.’ If you were (fill in the blank) how would he or she carry themselves, make decisions, organize his/her day, accomplish goals? You’ve got to fake it until you make it, so it’s better to fake it as the most accomplished person you could imagine. (Shout out to Tony Robbins for the tip).”

Steve comment: Your life insurance broker should be a key person on your financial team. Make sure he is a specialist in this product. He should be an able guide into the mysterious world of life insurance underwriting, and how to qualify for the best coverage.(1)

Jason Tip #3: “Spend 25% Less Than You Make – When your material needs meet or exceed your income, you’re sabotaging your ability to really make it big. Don’t shackle yourself with golden handcuffs (a fancy car or an expensive apartment). Be willing and able to take 20% less in the short term, if it could mean 200% more earning potential. You’re nothing more than penny wise and pound-foolish if you pass up an amazing new career opportunity to keep an extra little bit of income. No matter how much money you make, spend 25% less to support your life. It’s a guaranteed formula to be less stressed and to always have the flexibility to pursue your dreams.” (1)

Steve comment: A life insurance benefit costs pennies on the dollar. It can have extremely strong guarantees. It is one of the few products that really helps you sleep at night because it can secure those dreams.

(1) Nazar, Jason. “20 Things 20-Year-Olds Don’t Get.” Forbes. Forbes Magazine, 23 July 2013. Web. 30 July 2013.

 

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.

Influential Anecdotes

Assignment: One of the best ways to learn is to use stories, anecdotes, or inspirational quotes. The activity for this lesson is to write down five of your favorite stories, anecdotes or quotes. Include a short paragraph explaining how your choices have influenced your life. Choose from any time in history, any author or resource you desire.

All of my anecdotes are from the book, “177 Mental Toughness Secrets of the World Class” by Steve Siebold. The author shares what he calls “the thought processes, habits, and philosophies of the great ones”. Every one of his tips has helped me, so boiling it down to five was hard. Good thing I am mentally tough!

The format of the book is to present the lesson, followed by a supportive quote, and then followed by a detailed explanation. I am providing the lesson and quote, highlights, and a description of how I have benefitted.

1) Lesson #8: Champions Develop World-Class Beliefs Long Before They Become Champions
“They can… because they think they can.” unknown

Here the author talks about how people tend to be a product of their mental programming from childhood. He mentions that “average people are saddled with a belief system that is more about survival than success”. He points out that many world-class performers were raised with the same beliefs, yet learned to reprogram themselves along the way.

This lesson really struck home. All my life my father has preached the importance of being able to “function, cope, and survive”. God bless him for that instruction, as it has helped me become a capable crisis manager in times of family illness, unemployment, and other tough spots. However, life is not always in crisis, and if you do not know how to advance yourself you will miss many opportunities that come your way.

I recognize that people from immigrant families, who have lived through the Great Depression and World War II, have a survivalist mindset. That mindset will not enable me to meet my potential. I consider myself fortunate to have realized this with hopefully many productive years ahead of me. Time to go for it!

2) Lesson #30: The World Class is Coachable
“Great coaching is helping people discover what they already know.” Bill Gove

The point here is that “since human beings are primarily emotional creatures, competent coaches are experts at stoking the fire that burns within – assuming there is already (at least) a small flame. Coaches can’t create a flame, but the good ones can turn a small flame into a blow torch…. All champions look for that one little advantage that great coaching can provide”.

I have been a hard person to coach throughout my life. In all fairness to myself, a lot of it has had to do with a scarcity of good coaches out there. The vast majority of my teachers, athletic coaches, and employers may have been good at their trade, but they have been lacking in both character and teaching skill. I accepted their direction, but I did not adopt them as mentors or personal advisors.

I used to think that I was being too picky; however, once I learned what qualities a good coach should have, I realized that the problem was not me. I also understood that one has to keep looking to find a good teacher, even to the point of switching schools, teams or jobs. I saw as well that it was my job to uncover what “lights my flame”, as mentioned above.

3) Lesson #34: Champions Always Strive for Greater Competence
“Information is the booby prize. The real prize is competence”. Larry Wilson

Throughout most of my life I have been a generalist. I played multiple sports as a youth; I graduated college with a liberal arts degree; I have held a wide variety of sales and marketing jobs; I have been a general operations manager. Even when I entered the insurance business, I was a multi-product agent.

Now, I not only specialize, but I sub-specialize. I sell only life insurance, and have the expertise needed to help people get policies who are higher-risk. I am much more successful, and it is because I have adopted the outlook of this lesson:

“Champions are focused on becoming competent at what they do… (They) spend time building and improving their attitude, skills and knowledge in their chosen field. This approach puts professional performers in constant demand from corporations and organizations searching for people with world-class habits.”

Because of my competence, I have been able to attract more higher-caliber clients.

4) Lesson #72: The World Class Operates From Love and Abundance
“Life in abundance comes only through great love.” Elbert Hubbard

This particular message inspires me because of its emphasis on having an “attitude of gratitude” (my words). Here is what is says:

“The world class is aware that all good things come from the spirit of love. They know love is the natural order of the universe… The great ones embrace love as the root of their success and feelings of fulfillment. They know that without the loving guidance and support of others, they could not have reached or even dreamed of aspiring to the world class. Their recognition of and gratitude for the power of love creates more abundance in their lives.”

Up to recently I have taken for granted the love of my family. It is not that it was not important to me; I just did not realize its true value. I have had a very shallow understanding of love. I have looked at it as something that people were supposed to give to me, as if it were their duty. Yet I have also learned that once we take something for granted, we risk losing it. I would hate to become the person who no longer merited the love of people who were most naturally inclined to give it. I feel I would become unworthy of any hopes or dreams I had for myself. That would be a tragedy I would not want to suffer through – especially since it could be avoided.

My closest family members are willing to give me an endless supply of “positiveness”. That is the best word I can use to characterize love. It is not simply a blanket endorsement of my actions; to the contrary, it is often in the form of constructive criticism. But it is always a reaffirmation of myself as a person. Knowing that I am loved, I have something for which I can always be grateful. As a grateful person I can keep finding more and more to be grateful for.

5) Lesson #111: The Pros Reward Themselves for Execution
“The goals, targets and rewards system is the wave of the future. Goals are execution-based; targets are results-based; and rewards are based on the completion of the goals, not the targets. This subtle shift in performance philosophy has the power to launch a performer from middle-class to world-class results.” Steve Siebold

This idea is really just a slight shift in thinking about rewards, but it makes a lot of sense to me, and has helped me make a significant change in the focus of my planning. It entails this:

“Champions set execution-based goals over which they have total control. The results they are aiming for, but don’t have complete control over, are known as Targets. The great ones aim for the targets but focus on the goals. For example, salespeople set a goal to make a certain number of calls. If they fail to make that number of calls, they fail to reach the goal… If they accomplish the number of calls, they automatically earn the reward, no matter the outcome of those calls. The priority is still set on bottom-line results, but the focus is toward high-quality, consistent execution.”

I like the focus on only what I can control. I cannot control the outcome of a sales call, but I can control my time so that I make enough calls to get the sale. I can control the quality and quantity of my training so I am prepared for the sales presentation. I can decide to read the right books, and network with the right people, to build the most effective sale approach.

I have always believed that the right process will yield the right results. I treat my sales results this way, and I manage my business this way. I enjoy having the responsibility of developing a daily business and sales practice that will yield the best results possible. Siebold’s idea of focusing on the goals, yet being mindful of the target, is to me the happy medium I have been looking for in terms of how to manage the process/product balance.

 

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.

Principles for Growth

Our principles for growth

A. Principle #1: “Helping each employee to meet his or her potential within the company.”
We will help all employees to put their talents to use for the maximum benefit of themselves and the company. This empowers them to increase their value to the business and be paid accordingly.

B. Principle #2: “Growth from the core”.
We need all employees to be proud of our company and believe in what we do, They can then serve as “good will ambassadors” for us when interacting with clients, prospects, vendors, and the general public. The training and orientation of everyone – regardless of the department in which they specialize – will include a strong foundation in prequalification/brokerage operations, as that is the core of our business.

C. Principle #3: “Mutual support among departments.”
Employees will maintain a specialization in one department yet also receive a general background in the company. They can thereby serve as viable back-ups in cases of manpower shortages.

D. Principle #4: “Mentoring as the means of passing on the core values of the company and facilitating employee career growth.”
Managers will provide personal coaching and direction throughout the business day, as well as educational meetings in the office. On occasion reading and research material will be assigned as homework. This collaboration will facilitate employee career with the core values of integrity, professionalism, service, and profit.

E. Principle #5: “Maintaining a Spirit of Adventure in the enterprise!”
Many factors influence business success. We will stay focused and committed to the goal, but keep in mind the big picture. We will all be in a learning and growth curve, so we will have to band together, learn from our mistakes, remain optimistic, and- have fun! We can celebrate the small victories that we make along the way!

 

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.

About Steven Kobrin, LUTCF

All you need to know in 140 characters:

I Love Life Insurance.

I am privileged to be the second generation of my family to serve in the life insurance industry. My father, Leon J. Kobrin, ran an independent brokerage in the 1960’s and 70’s. He was on the leading edge of brokers who specialized in higher-risk cases.  I grew up in his business and worked part-time throughout my childhood and into my college years. If you were to ask my childhood friends to describe me, they would say I was extremely disciplined, hard-working, and tenacious. I “take a lickin’ and keep on tickin’.” Professionally, this makes me an extremely dedicated advocate for my clients.

There are a few people who have helped guide me along my professional path in life.  My father was a true mentor for me in getting established in the life insurance business. My wife is a guide for always maintaining the highest ethical and moral standards. And let’s give credit where credit’s due — my seventh grade teacher, Ms. Wilson, taught me the importance of proper English communication at all costs.

How I Got Started…

Prior to entering the life insurance business, I served as the operations manager for a computer supplies distribution company that catered to the Fortune 100 community. Today, I consciously model my brokerage on the same “elite service principles” that are necessary for keeping the top corporations as clients.

In 1991 I entered the life business full-time and formed my own brokerage seven years later. I have taken my father’s original concept of “super-specialization” to the next level.  Not only do I specialize solely in life insurance — not only do I have the expertise needed to help people who represent a higher risk — but I do so in multiple risk areas – medical, lifestyle, legal and financial – and in all states (except Alaska and Hawaii).

Want to Learn More?

Connect with me on LinkedIn, Google+, or Facebook. You can also read my articles on ProducersWeb.

In this blog I share the ongoing thoughts, lessons, and experiences that enable me to build my business. You can “dream the dream” with me and my staff as it becomes a reality.

You might also be interested in:

For Your Information: I am life insurance licensed in DC and 48 states.  The following states require that I post my state license numbers on the Internet:
California License #0D81187
Florida License #E019422
Louisiana License #226750
Massachusetts License #1773954
Minnesota License #20364222
New Jersey License #9140471
New York License #LA-770345
Ohio License #618820
Pennsylvania License #340696
Texas License #1222233
Utah License #195436

 

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.