Products — Health Insurance

Health Insurance is a companion to life insurance in the management of life's risks. A fully balanced insurance portfolio should include the proper amounts of life, medical, disability and long-term care coverage.

Towards that end, we make sure that you receive the highest level of professional care by assigning independent consultants to work with you. All consultants have the following qualifications:

Specialization
They maintain their practices only in their areas of specialization. They know their products extensively and are expert at managing underwriting issues.

Independence
They are independent brokers and represent all carriers in their marketplaces. Therefore, they can provide you with any product that may be suitable for you.

Full service
All areas in which you will need assistance will be handled by a professional staff. These include product selection and enrollment, claims filing, and policyholder service.

Use the chart below to review the full selection of health insurance products that are available to you, through our brokerage. The chart includes a variety of medical insurance products, Disability insurance products, and long-term care insurance products. Call Steve Kobrin toll-free at 1 (866) 633-1818 or email him, and we'll do the shopping for you. Find out which product is right for you, with no obligation to buy.

Medical Insurance Products
Individual Plans	For singles, married couples, single parents and families. Includes both indemnity plans (covers all doctors and hospitals) as well as managed-care plans (use a network of providers).
Medicare Supplements	For men and women who have turned age 65. You can be retired or still actively employed.
Small Group Plans	For businesses of 2-50 employees. Medical, dental and vision insurance are available.
Large Group Plans	For businesses with 51-5000 employees. Plans can include customized benefits as well as self-funding features.
Professional Employer Organization (PEO)	Employee benefits and all other Human Resource functions are outsourced to a specialist HR firm. The cost of HR is greatly reduced, and group insurance can be purchased at a discount.
Disability Insurance Products
Income Replacement Plans	To pay your bills when you are too sick or hurt to work. People who are self-employed, who work for others, and who belong to unions can all be covered.
High-Benefit Plans for High Wage Earners	Can cover corporate executives and business owners, as well as "specialty" occupations such as athletes.
Business Overhead Expense Plans	To provide money to pay business expenses, excluding the owner's salary.
Buy-Sell Agreement Funding	To cover the disability clause of your partnership agreement.
Key-Person Coverage	To compensate a company for the loss of a key employee or executive.
Plans for Tradespeople	Can cover carpenters, plumbers, masons and electricians.
Home-Based Business Plans	Can provide protection for independent consultants as well as for operators of marketing and distribution businesses.
Employee Group Plans	Can feature simplified underwriting requirements and make it easier for people to enroll.
Long-term Care Insurance Products
Personalized Plans	Can be designed for retirees. They can provide the exact amount of insurance you want to purchase based on the amount of your savings you want to protect.
Long-Term Protection Plans	Can be implemented for people ages 40-55. Their benefits can be arranged to keep up with inflation.
Creative-Funding Strategies	Can be used to tap sources besides your income to pay premiums.
Tax-Qualified and Non-Tax Qualified Plans	Are both available, depending on your preference for benefits access and tax considerations.
Premium Discounts	Can be offered to spouses that enroll, as well as to family members of employees. These relatives do not have to be on the payroll.
Corporate-Paid Plans	Can be implemented for business owners and selected executives.
Limited-Pay Plans	Can be selected by people who do not wish to pay premiums on a continual basis.
Employee Group Plans	Can feature simplified underwriting requirements and make it easier for people to enroll.

The Kobrin Agency, Inc.
6-05 Saddle River Road, #103
Fair Lawn, NJ 07410    USA

1 (866) 633-1818   Phone (Toll-Free)
1 (201) 796-8142   Phone (Local NJ)
1 (201) 796-8244   Fax
skobrin@thekobrinagency.com

Copyright © 2001-2008
by The Kobrin Agency, Inc.
All rights reserved.

Life Insurance License Notice
The Kobrin Agency, Inc., is life insurance licensed only in the state of New Jersey, USA. Residents of other states should request assistance through the web site of Steven H. Kobrin, LUTCF, instead of through The Kobrin Agency, Inc. Use of this web site indicates understanding of these statements.