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:

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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

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    Insurance, Life Insurance, End of Life
How do life insurance policies work for the insured?

Unfortunately, it looks like you are being given bad advice, on top of being mixedup in a  hostile family squabble. Sorry to hear this.

If you are the beneficiary of this insurance policy, then call the carrier and initiate a claim. They will send you the forms to fill out. Make sure you have an original death certificate to submit with the claim. None of this has anything to do with the will.

If you're a minor, then the company will not release the funds to you. Ask them to identify the legal entity to whom they will pay the benefit. You will probably have to show that there is an adult responsible for your financial affairs.

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100% of people found this answer helpful
October 2018