Category: The Conscious Consumer
Thoughts on why people buy – or postpone buying – life insurance. I often call upon studies of neuroscience, psychology, religion, and spirituality to explain consumer behavior.
Suppose you had a friend who was complaining of heart pain. You would be concerned, and not hesitate to refer him to a doctor whom you knew would take good care of him. What about a relative who was getting…
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Financial advisers and coaches frequently ask me if wealthy people need life insurance. Couldn’t they afford to self-insure? My answer is always this: sure they could self-insure, but why would they want to? Life insurance gives them tremendous leverage: every…
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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…
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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…
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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…
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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…
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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”…
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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…
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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…
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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…
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