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
Sort By:
Most Helpful
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
Sort By:
Most Helpful
    Retirement, Pensions, Social Security, Insurance, Life Insurance
Should I purchase a permanent life insurance policy to supplement my retirement plans?

The bottom line here is after-tax income. I am sure you know that life insurance can provide tax-deferred cash accumulation, and tax-free distributions, if the policy is properly managed. But also bear in mind that the product is primarily designed to provide a survivor benefit with hugely discounted dollars. It therefore has expenses and charges related to insuring you, sales administration, etc.

The big question is this: are all these costs related to life insurance less than the total cost you would be paying on a non-insurance investment? Those products incur taxes, sales charges, etc.

Do an apples-to-apples comparison. Design a scenario in which you are putting the same amount of money into each type of product. The one that nets you more on an after-tax basis would be the winner.



2 weeks ago
    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?
5 weeks ago
    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?
last month
    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?
75% of people found this answer helpful
last month
    Personal Finance, Insurance, Life Insurance
Is purchasing a $300,000 life insurance policy as a single 53-year-old with no children a good decision?
25% of people found this answer helpful
last month