Archives

Does Your Life Insurance Application Need Special Handling? The Key Role Played by Prequalification

Life insurance is a product that almost all of us need. Regardless of whether we purchase policies for the benefit… Read More

Fear Factor: life insurance. Part Five: the fear of rejection.

This series of posts discusses the fears that prevent people from buying the life insurance they need. The fourth fear we will address is the fear of rejection. People don’t like to feel rejected. We like to feel validated and… Read More

NRG

Hello NRG family! I am Steve Kobrin. I am the founder and president of a national life insurance brokerage. I am glad to be part of the team! I have three ways I can help you, your family, and your… Read More

There is hope for people who have been declined for life insurance – part four

In Part Three, we discussed a very common reason for why people get declined for life insurance: Lack of full disclosure. In Part Four we will bring to light a different problem: “Unreasonable” underwriters. I by and large have an… Read More

There is hope for people who have been declined for life insurance – part three

In Part Two, we discussed a very commons reason for why people get declined for life insurance: Unexpectedly bad labs. In Part Three we will bring to light a different problem: Lack of full disclosure. A life insurance underwriter needs… Read More

There is hope for people who have been declined for life insurance – part one.

Getting declined for life insurance can be frustrating; even traumatic. You need the coverage; you are ready to pay for it; you’ve complied with everything the company has asked. So what’s the problem? There are a number of reasons for… Read More

What a loving parent does

A number of years ago, I received a phone call from a woman looking for life insurance. She got right to the point: “I need your help for two reasons: 1) I am a severe Diabetic, and I know my… Read More

To provide and protect

“Who needs life insurance, anyway?” I come across this attitude every now and again. Let me tell you how I dealt with it once: A number of years ago, a woman called my office to ask if I could “convince”… Read More

Helping your clients get Policy Audits

Accountants, attorneys, coaches, and other financial advsiers frequently ask me for ways to connect with their clients about life insurance. The product is the foundation of financial security. What is a professional and effective way to make sure coverage is… Read More

Who is “high risk” for life insurance?

If you have ever shopped for life insurance, you know that underwriters consider some candidates “high risk.” This means that you may have a health, lifestyle, or other factor that could make you more of a mortality risk. The good… Read More