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:



     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.

I run a linked in group about these strategic partnerships:

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 in every state except Alaska and Hawaii.

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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    401(k), Choosing an Advisor, IRAs, Real Estate, Life Insurance
Should I get indexed universal life insurance (IUL)?
71% of people found this answer helpful

Don't put the cart before the horse. No financial advisor should be recommending a product until you and he have become clear on your needs, goals, and comfort level with different levels of risk. You really need to go through a process of financial needs analysis to generate the “job description” of every product in your portfolio. Once you have these specifications, it will be much easier to decide on the suitability of different product recommendations.


April 2018
    Retirement, Pensions, Social Security, Insurance, Life Insurance
Should I purchase a permanent life insurance policy to supplement my retirement plans?
April 2018
    Taxes, Income Tax, Insurance, Life Insurance
If I am using a loan to pay the premiums on a life insurance policy and I surrender the policy to take out the cash value, will I have to pay income tax on the loan and the accumulated interest?
March 2018
    Insurance, Life Insurance
Is it better for a 34-year-old with a family of three to take a 20- or 30-year life insurance policy if I know that the premiums will significantly increase if I choose the 20-year policy?
March 2018
    401(k), Insurance, Life Insurance
Is whole life insurance a good option for my family of three if I have multiple retirement accounts and insurance policies already in place?
60% of people found this answer helpful
March 2018