Steve Kobrin

LUTCF
Small Business, Insurance, Lifestage Based Planning
92%
Helpful
194
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26
Articles
92
Followers
“As an independent life insurance broker, Steve Kobrin specializes in helping people considered high risk and uninsurable.”
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.

I run a linked in group about these strategic partnerships:

https://www.linkedin.com/groups/8635490

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 in every state except Alaska and Hawaii.

All Articles
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Most Helpful
March 2018
    Life Insurance, Estate Planning, Insurance
January 2018
    Insurance, Life Insurance, Small Business Insurance
December 2017
    Insurance, Life Insurance
October 2017
    Personal Finance, Small Business
October 2017
    Life Insurance, Insurance

All Answers
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    Financial Planning, Asset Allocation
What is a recommended amount to keep in our emergency fund?
100% of people found this answer helpful

My own personal standard for an emergency fund is one year of expenses. This is a minimum, I am actually thinking about increasing it to two years.

I have learned from experience that it takes one to two years to recover from a serious financial/business setback. Bear in mind, we are talking about something major here that results in a substantial loss of income, and which will require some rebuilding to get back to normal.

I don't want to have to dip into my retirement or investment accounts in this situation. I want to depend exclusively on the reserve fund, and let it do its job. So, I think it's better to over-fund it, as opposed to under-fund it and jeopardize my other monies.

I use a simple cash account with my broker. No fees, no interest, and liquid. If I needed the money in two hours, I can get it.

As my cash picture changes, the role of this reserve fund will change. In my next stage of life, I may want it to be larger. Or, if I reduce my expenses, it will be smaller.

March 2017
    Life Insurance
How old should you be to get life insurance?
100% of people found this answer helpful
November 2017
    Debt, Insurance
How can I borrow money from my life insurance policy?
92% of people found this answer helpful
December 2016
    Life Insurance
Do beneficiaries pay taxes on life insurance?
90% of people found this answer helpful
December 2016
    Life Insurance
What is a collateral assignment of life insurance?
80% of people found this answer helpful
December 2016