Steve Kobrin

Small Business, Insurance, Lifestage Based Planning
“As an independent life insurance broker, Steve Kobrin specializes in helping people considered high risk and uninsurable.”

The firm of Steven H. Kobrin, LUTCF

Job Title:



I am second generation in the life insurance business, and have brought our local general agency on to the national stage.  In doing so, my team and I have created an independent brokerage with a truly unique platform of services, for both consumers and their advisors. These include:

* A policy for virtually every applicant, from preferred risk to high-risk. 

* Applications approved at the rate quoted

* Complementary policy audits for all clients to ensure optimum product performance.

When I am away from my desk, I am spending time with my family, especially my darling granddaughter. I am a serious martial arts practitioner, as well as a student of philosophy, religion, and psychology.


BA in Liberal Arts


I am licensed to sell life insurance in every state except Alaska and Hawaii.

All Articles
Sort By:
Most Helpful
April 2017
    End of Life, Insurance
April 2017
    End of Life, Retirement Living, Senior Care
February 2017
    Estate Planning, Insurance, Life Insurance
April 2017
    End of Life, Life Insurance
June 2017

All Answers
Sort By:
Most Helpful
    Financial Planning
Are financial advisors more focused on planning for older generations?
100% of people found this answer helpful

Financial advisors use a number of factors when they develop a marketing plan. One, obviously, is compensation. Older people, in the pre-retirement and retirement stages of life, tend to have more money to spend on financial products and services. For example, from my point of view as a life insurance broker, I make more money in commission selling a $1 million policy to a sixty-year-old, than to a 30-year-old, all other things being equal. This is due to the fact that life insurance for an older person costs more than for a younger person.

Related to this is, of course, financial need. Older people tend to have a more complicated financial portfolio. There are insurance products, investments, business interests, etc. A financial advisor has the opportunity to utilize more sophisticated strategies and tactics for this type of client. It's more of a challenge. And again, the greater the demand for services, the more they have to pay.

At the same time, advisors can't only focus on the short term. You need to build a clientele that can sustain your firm over the long term. If you can acquire a 30-year-old person as a client now, that person can stay with you for decades, and continually make use of your services. So it makes sense to organize your business so you can cost-effectively cater to younger people with simpler needs and less money to spend.

For me, a big factor is belief in the product. I think everybody deserves a decent burial, and every family and business deserves financial sustenance. Life insurance does this. And I understand that a family can tragically lose a loved one at any time, and at any stage of life; and that a business can lose an owner or key person at any time as well. This is why I will sell a policy to anyone, regardless of age or station in life. The product just does so much good.

March 2017
    Taxes, End of Life
How can we become more financially comfortable towards the end of our life?
100% of people found this answer helpful
February 2017
    Retirement, Life Insurance
Is it ever a good idea to cancel or terminate a life insurance policy?
100% of people found this answer helpful
March 2017
    Personal Finance
Are dividends considered passive or ordinary income?
100% of people found this answer helpful
January 2017
    Insurance, End of Life
Should I boost a death benefit to convert the cash value of a life insurance policy?
100% of people found this answer helpful
December 2016