Category: The Conscious Consumer

“I am young, healthy, and single. Should I still buy life insurance?”

Yes, you should. It’s all part of protecting your insurability, and thinking ahead. Don’t wait until you have responsibilities, dependents, and debts. You can’t assume you will be insurable tomorrow, and at a good rate. Here are some factors to… Read More

10 questions to ask your client about their life insurance

Financial advisers often ask me how to get the conversation started with their clients about life insurance. They know that odds are the client is not sufficiently covered, but need an effective way to broach the topic. Here are 10… Read More

Me retire? No chance!

There are lot of “plusses’ to not retiring. And they definitely influence life insurance planning. Let me explain. My father Leon Kobrin worked into the last year of his life. So did his father, my Grandpa Harry. You can bet… Read More

Healing the hole in your life

I have had some very deep and moving conversations with clients recently. They each dealt with the “taboo” topic that people like to brush under the rug: death; in particular, their own mortality. The topic of life insurance can make… Read More

It’s not just about the price

Is buying term insurance as easy as logging on to an-online platform, and simply picking the lowest premium? Not always. As a matter of fact, it usually is not. First of all, you have the qualifying underwriting questions. A “yes”… Read More

The Midnight Hour

What kind of thoughts keep you up in the middle of the night? For many of us, they are financial worries. Job security. Paying bills on time. Debt. Keeping up with inflation. Underneath it all, is the nagging fear that… Read More

When the nest is no longer empty

Many planners and advisers coach their clients to prepare for “Empty Nest Syndrome.” This is the time of life when the kids are out of the house and on their own. The parents no longer have to support them. This… Read More

The key reason why people don’t like to talk about life insurance

As you know, I am second generation in the life insurance business. My father Leon Kobrin, of blessed memory, owned and operated a brokerage in the 1950’s – 1970’s. I grew up in his agency – worked there from grade… Read More

How to talk to your clients about life insurance

Financial advisors and coaches frequently ask me for advice on how to talk with their clients about life insurance. I am always gratified to hear that. Life insurance secures your client against the life hazard that can have the most… Read More

When is vanilla not vanilla?

Financial advisers and coaches ask me this question on a regular basis: “If we have a ‘plain vanilla’ client – young, healthy, with no high-risk factors – should we still send them to you for life insurance?” The answer course,… Read More