Steve Kobrin

LUTCF
Small Business, Insurance, Lifestage Based Planning
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“As an independent life insurance broker, Steve Kobrin specializes in helping people considered high risk and uninsurable. His firm also runs the Global Insurance Portal.”
Firm:

The firm of Steven H. Kobrin, LUTCF

Job Title:

Owner

Biography:

 In 1991, I entered the life insurance business full-time, and soon formed my own national brokerage. Throughout my career, I have been dedicated to mastering the craft of selling life insurance, and am an expert in helping people get a policy who represent a “higher risk” due to health, lifestyle, or other personal issues. Along the way, I have developed a huge network of industry contacts that enables me to serve as a primary resource for all the insurance needs of my individual and corporate clients.

I now help brokers, advisers, and financial firms across the country utilize my organization and become a primary resource for the insurance needs of their own clients. They form strategic partnerships with my providers so they can stay within their own area of specialization, yet help their clients purchase the other products they need from professionals in those marketplaces. It's a winning formula for all concerned.

My firm runs a Global Insurance Portal through which consumers, brokers, consulting firms, and agencies can gain access to the insurance resources they need, on a global basis. http://planrisklive.com/global-insurance-portal/

On the personal side, I am a religious Jew and avid practitioner of kung fu. I have studied spiritual disciplines and personal development all my adult life. I am a conservative in my political and economic views, and a liberal when it comes to keeping an open mind and a willingness to work with people of all persuasions.    

Education:

BA in Liberal Arts

CRD Number:

5923138

Disclaimer:

I am licensed to sell life insurance. Here's my interview with financial educator and consultant George Bailey:

https://www.facebook.com/choosethenickel/videos/vb.418479555280491/490303748098071/?type=2&theater

All Articles
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March 2017
    Executive Compensation, Exit Strategy, Life Insurance
February 2017
    Estate Planning, Insurance, Life Insurance
April 2017
    Insurance, Life Insurance
February 2017
    Estate Planning, Financial Planning
April 2017
    End of Life, Retirement Living, Senior Care

All Answers
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    Retirement, Investing, Insurance, Life Insurance
Should we keep paying the premiums for a whole life insurance policy and let the cash value grow until year 10, or do we get out now and invest the difference and hope to recoup the losses?
0% of people found this answer helpful

What you have is probably the best product in the marketplace to grow cash on a guaranteed basis. Can you honestly find another vehicle that will give you the same guaranteed interest rate? Has anybody shown you a schedule of values over the next 10, 20 or 30 years that grows as much cash on a guaranteed basis, as this product? Plus, you have nonguaranteed values in the form of dividends. Have you come across conservative investments that historically match the dividend paying history of this carrier?

And, you have the death benefit on both a guaranteed and on a scheduled basis.

As far as I'm concerned, this is the primary value of whole life insurance. Give some hard thought as to whether you want to incorporate these financial benefits in your portfolio. If so, then stay put. If not – if you find that you really don't want these benefits – then you should cut your losses now.

4 days ago
    Annuities, End of Life
How do I know which option to choose for receiving an annuity to guarantee that the remaining money goes to beneficiaries?
2 weeks ago
    Taxes, Insurance, Life Insurance
When canceling whole life insurance, how much tax is usually imposed, and how it is calculated?
last month
    Insurance, Life Insurance
What changes should be made to our life insurance coverage?
last month
    Real Estate, Insurance
Do I need term life insurance or whole life insurance?
last month