Life Insurance Magic- How to Make it Work for You

Steve and Darren discuss: The Policy Audit. You give your health and car an annual check-up. Your life insurance needs one too.

The Magic of Life Insurance - How to make it work for you

Whole Life Insurance, Part 1: How does it work? Steve Kobrin and Darren Hardersen discuss the ins and outs of Whole Life Insurance. See their previous talks on various Life Insurance topics here: https://www.stevenkobrin.com/resources/educational-seminars/ Check out the list of upcoming seminars and register here: https://www.stevenkobrin.com/seminar/ www.stevenkobrin.com #stevenkobrin

January 10, 2024 - Indexed universal Life Insurance: Is it right for me? Steve Kobrin and Darren Hardersen talk about the technical aspects of Indexed Universal Life Insurance. See their previous talks on various Life Insurance topics here: https://www.stevenkobrin.com/resources/educational-seminars/ Check out the list of upcoming seminars and register here: https://www.stevenkobrin.com/seminar/ www.stevenkobrin.com #stevenkobrin

How to use life insurance to cover key personnel in your business.

October 25th, 2023: How to talk about money in a family.

September 20, 2023 - How does universal life insurance work, and why would I want it? No more worrying if you are paying too much. Or if you have enough coverage. Or even if you have the right products. You can finally feel comfortable and confident about your life insurance coverage.I have spent most of my life in the life insurance business. I grew up in my father’s general agency, and have been selling the product full-time for over 30 years. I know that life insurance is a Magical financial product: It keeps families safe and secure. It protects businesses from severe disruption and devastating losses. It preserves estate assets. It infuses charities with cash. It creates wealth – with tax advantages and strong guarantees. But most men and women I meet don’t know that. That’s going to change 🙂 www.stevenkobrin.com

August 23, 2023 – How can I use life insurance to preserve the assets of my estate? No more worrying if you are paying too much. Or if you have enough coverage. Or even if you have the right products. You can finally feel comfortable and confident about your life insurance coverage.I have spent most of my life in the life insurance business. I grew up in my father’s general agency, and have been selling the product full-time for over 30 years. I know that life insurance is a Magical financial product: It keeps families safe and secure. It protects businesses from severe disruption and devastating losses. It preserves estate assets. It infuses charities with cash. It creates wealth – with tax advantages and strong guarantees. But most men and women I meet don’t know that. That’s going to change 🙂 www.stevenkobrin.com

April 19, 2023 – How should life insurance be used to fund a partnership agreement? No more worrying if you are paying too much. Or if you have enough coverage. Or even if you have the right products. You can finally feel comfortable and confident about your life insurance coverage.I have spent most of my life in the life insurance business. I grew up in my father’s general agency, and have been selling the product full-time for over 30 years. I know that life insurance is a Magical financial product: It keeps families safe and secure. It protects businesses from severe disruption and devastating losses. It preserves estate assets. It infuses charities with cash. It creates wealth – with tax advantages and strong guarantees. But most men and women I meet don’t know that. That’s going to change 🙂 www.stevenkobrin.com

May 17 2023 – “How could life insurance give me coverage for long-term care expenses?” No more worrying if you are paying too much. Or if you have enough coverage. Or even if you have the right products. You can finally feel comfortable and confident about your life insurance coverage.I have spent most of my life in the life insurance business. I grew up in my father’s general agency, and have been selling the product full-time for over 30 years. I know that life insurance is a Magical financial product: It keeps families safe and secure. It protects businesses from severe disruption and devastating losses. It preserves estate assets. It infuses charities with cash. It creates wealth – with tax advantages and strong guarantees. But most men and women I meet don’t know that. That’s going to change 🙂 www.stevenkobrin.com

June 21, 2023: Is whole life insurance still a good deal? No more worrying if you are paying too much. Or if you have enough coverage. Or even if you have the right products. You can finally feel comfortable and confident about your life insurance coverage.I have spent most of my life in the life insurance business. I grew up in my father’s general agency, and have been selling the product full-time for over 30 years. I know that life insurance is a Magical financial product: It keeps families safe and secure. It protects businesses from severe disruption and devastating losses. It preserves estate assets. It infuses charities with cash. It creates wealth – with tax advantages and strong guarantees. But most men and women I meet don’t know that. That’s going to change 🙂 www.stevenkobrin.com

July 19, 2023: My bank requires life insurance to approve a loan for my business. How do I set that up?

June 15, 2022 – Term insurance or permanent insurance- Which is right for you? No more worrying if you are paying too much. Or if you have enough coverage. Or even if you have the right products. You can finally feel comfortable and confident about your life insurance coverage.I have spent most of my life in the life insurance business. I grew up in my father’s general agency, and have been selling the product full-time for over 30 years. I know that life insurance is a Magical financial product: It keeps families safe and secure. It protects businesses from severe disruption and devastating losses. It preserves estate assets. It infuses charities with cash. It creates wealth – with tax advantages and strong guarantees. But most men and women I meet don’t know that. That’s going to change 🙂 www.stevenkobrin.com

May 18, 2022 – Life insurance with “living benefits", chronic illness, and long term care protection. No more worrying if you are paying too much. Or if you have enough coverage. Or even if you have the right products. You can finally feel comfortable and confident about your life insurance coverage.I have spent most of my life in the life insurance business. I grew up in my father’s general agency, and have been selling the product full-time for over 30 years. I know that life insurance is a Magical financial product: It keeps families safe and secure. It protects businesses from severe disruption and devastating losses. It preserves estate assets. It infuses charities with cash. It creates wealth – with tax advantages and strong guarantees. But most men and women I meet don’t know that. That’s going to change 🙂 www.stevenkobrin.com

July 13, 2022 – How to protect your business against the loss of a partner or key person with life insurance. No more worrying if you are paying too much. Or if you have enough coverage. Or even if you have the right products. You can finally feel comfortable and confident about your life insurance coverage.I have spent most of my life in the life insurance business. I grew up in my father’s general agency, and have been selling the product full-time for over 30 years. I know that life insurance is a Magical financial product: It keeps families safe and secure. It protects businesses from severe disruption and devastating losses. It preserves estate assets. It infuses charities with cash. It creates wealth – with tax advantages and strong guarantees. But most men and women I meet don’t know that. That’s going to change 🙂 www.stevenkobrin.com

October 19, 2022 – How divers and climbers – and men and women with other adventurous hobbies – can get good deals on life insurance. No more worrying if you are paying too much. Or if you have enough coverage. Or even if you have the right products. You can finally feel comfortable and confident about your life insurance coverage.I have spent most of my life in the life insurance business. I grew up in my father’s general agency, and have been selling the product full-time for over 30 years. I know that life insurance is a Magical financial product: It keeps families safe and secure. It protects businesses from severe disruption and devastating losses. It preserves estate assets. It infuses charities with cash. It creates wealth – with tax advantages and strong guarantees. But most men and women I meet don’t know that. That’s going to change 🙂 www.stevenkobrin.com

September 14, 2022 – The right way – and wrong way – to structure life insurance in your estate.No more worrying if you are paying too much. Or if you have enough coverage. Or even if you have the right products. You can finally feel comfortable and confident about your life insurance coverage.I have spent most of my life in the life insurance business. I grew up in my father’s general agency, and have been selling the product full-time for over 30 years. I know that life insurance is a Magical financial product: It keeps families safe and secure. It protects businesses from severe disruption and devastating losses. It preserves estate assets. It infuses charities with cash. It creates wealth – with tax advantages and strong guarantees. But most men and women I meet don’t know that. That’s going to change 🙂 www.stevenkobrin.com

August 10, 2022 – How people with Diabetes, heart disease, and many other medical conditions, can qualify for life insurance right now! No more worrying if you are paying too much. Or if you have enough coverage. Or even if you have the right products. You can finally feel comfortable and confident about your life insurance coverage.I have spent most of my life in the life insurance business. I grew up in my father’s general agency, and have been selling the product full-time for over 30 years. I know that life insurance is a Magical financial product: It keeps families safe and secure. It protects businesses from severe disruption and devastating losses. It preserves estate assets. It infuses charities with cash. It creates wealth – with tax advantages and strong guarantees. But most men and women I meet don’t know that. That’s going to change 🙂 www.stevenkobrin.com

December 14, 2022 – The Disability Premium Waiver Rider on your life insurance policy: how does it compare to a stand alone disability income policy? No more worrying if you are paying too much. Or if you have enough coverage. Or even if you have the right products. You can finally feel comfortable and confident about your life insurance coverage.I have spent most of my life in the life insurance business. I grew up in my father’s general agency, and have been selling the product full-time for over 30 years. I know that life insurance is a Magical financial product: It keeps families safe and secure. It protects businesses from severe disruption and devastating losses. It preserves estate assets. It infuses charities with cash. It creates wealth – with tax advantages and strong guarantees. But most men and women I meet don’t know that. That’s going to change 🙂 www.stevenkobrin.com

January 11, 2023 – Should I convert my term life insurance into a permanent policy? Why, or why not? No more worrying if you are paying too much. Or if you have enough coverage. Or even if you have the right products. You can finally feel comfortable and confident about your life insurance coverage.I have spent most of my life in the life insurance business. I grew up in my father’s general agency, and have been selling the product full-time for over 30 years. I know that life insurance is a Magical financial product: It keeps families safe and secure. It protects businesses from severe disruption and devastating losses. It preserves estate assets. It infuses charities with cash. It creates wealth – with tax advantages and strong guarantees. But most men and women I meet don’t know that. That’s going to change 🙂 www.stevenkobrin.com

March 15th, 2023 – How can life insurance be used to indemnify a home mortgage or business loan? No more worrying if you are paying too much. Or if you have enough coverage. Or even if you have the right products. You can finally feel comfortable and confident about your life insurance coverage.I have spent most of my life in the life insurance business. I grew up in my father’s general agency, and have been selling the product full-time for over 30 years. I know that life insurance is a Magical financial product: It keeps families safe and secure. It protects businesses from severe disruption and devastating losses. It preserves estate assets. It infuses charities with cash. It creates wealth – with tax advantages and strong guarantees. But most men and women I meet don’t know that. That’s going to change 🙂 www.stevenkobrin.com