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. His firm also runs the Global Insurance Portal.”

The firm of Steven H. Kobrin, LUTCF

Job Title:



 In 1991, I entered the life insurance business full-time, and soon formed my own national brokerage. Throughout my career, I have been dedicated to mastering the craft of selling life insurance, and am an expert in helping people get a policy who represent a “higher risk” due to health, lifestyle, or other personal issues. Along the way, I have developed a huge network of industry contacts that enables me to serve as a primary resource for all the insurance needs of my individual and corporate clients.

I now help brokers, advisers, and financial firms across the country utilize my organization and become a primary resource for the insurance needs of their own clients. They form strategic partnerships with my providers so they can stay within their own area of specialization, yet help their clients purchase the other products they need from professionals in those marketplaces. It's a winning formula for all concerned.

My firm runs a Global Insurance Portal through which consumers, brokers, consulting firms, and agencies can gain access to the insurance resources they need, on a global basis.

On the personal side, I am a religious Jew and avid practitioner of kung fu. I have studied spiritual disciplines and personal development all my adult life. I am a conservative in my political and economic views, and a liberal when it comes to keeping an open mind and a willingness to work with people of all persuasions.    


BA in Liberal Arts

CRD Number:



I am licensed to sell life insurance. Here's my interview with financial educator and consultant George Bailey:

All Articles
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March 2017
    Executive Compensation, Exit Strategy, Life Insurance
February 2017
    Estate Planning, Insurance, Life Insurance
April 2017
    Insurance, Life Insurance
February 2017
    Estate Planning, Financial Planning
April 2017
    End of Life, Retirement Living, Senior Care

All Answers
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    Life Insurance
How old should you be to get life insurance?
100% of people found this answer helpful

Here's an answer that will surprise you, but which is nonetheless true: you should be an infant when you get life insurance (obviously, your parents will pay for it :)

There are certain cash value life insurance products that are designed to accumulate significant amounts of cash over the long term. When taken out on the life of somebody a year old or less, they can perform extremely well over the course of decades. Their guaranteed cash rates are especially competitive. That cash could come in very handy when attempting to buy a house, start a business, or retire early.

Plus, the child will have the added advantage of being insured when he or she enters adulthood. If unfortunately they develop a medical condition, or take on a lifestyle risk of such as rock climbing, they will be grateful to not have to pay the going rate for a new policy.


November 2017
    Financial Planning, Asset Allocation
What is a recommended amount to keep in our emergency fund?
100% of people found this answer helpful
March 2017
    Retirement, Asset Allocation, Choosing an Advisor, Insurance, Life Insurance
Is a cash value life insurance policy a good idea for me?
100% of people found this answer helpful
August 2018
    Debt, Insurance
How can I borrow money from my life insurance policy?
94% of people found this answer helpful
December 2016
    Life Insurance
Do beneficiaries pay taxes on life insurance?
92% of people found this answer helpful
December 2016