Here’s How Life Insurance Works

Steven H. Kobrin, LUTCFOver my decades in the business, I’ve enjoyed helping thousands of clients get life insurance at great rates.  I believe in being a “smart shopper.” The life insurance marketplace and the underwriting process each have a certain logic to them; I understand how things work and will lead you on the path to the pricing you want.

On this blog I promise to give you the “inside story” on how the world of life insurance really works and coach you on how to navigate your way through it.  I will guide you through the process of addressing your underwriting challenges, explain the latest political and economic developments that affect the life insurance industry, and offer suggestions on how to manage the sensitive psychological and emotional issues that impact your life insurance planning.

(Want to know more about me?)

What’s on this blog?

These posts are helpful in learning about life insurance products and the life insurance industry:

  • Inside The Industry.  What you need to know about the life insurance marketplace and products. Includes commentary on political, legal, and economic trends that affect the industry.
  • Winning The Life Insurance Game. How to make the application process work for you. Provides advice for people with specific risk factors, such as medical conditions and adventurous hobbies, on how to obtain coverage at a reasonable rate.
  • The Conscious Consumer.  Insights into why people buy – or postpone buying – life insurance. Studies from the disciplines of neuroscience, psychology, religion, and spirituality are called upon to explain consumer behavior.
  • Partners Are People, Too.  Spouses, life partners, and business partners need to cooperate on financial matters, especially regarding sensitive topics such as life insurance. Here I offer “relationship advice” :) to help your decision-making dynamics run more smoothly.
  • Know Your Broker. The life insurance salesman must really be a Renaissance Man: part business owner, part financial professional, part spiritual guide. Here I share items of interest about myself, my sales company, and my life.