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.

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4 days ago
    Life Insurance, Estate Planning, Insurance
January 2018
    Insurance, Life Insurance, Small Business Insurance
December 2017
    Insurance, Life Insurance
October 2017
    Personal Finance, Small Business
October 2017
    Life Insurance, Insurance

All Answers
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    Investing, Insurance, Life Insurance
How can I estimate the cash value of a Variable Life Insurance Policy that I purchased in 1985 and have paid up?
100% of people found this answer helpful

There's no reason to estimate the cash value. Simply call the carrier and ask them what is the current value.

I assume that you didn't buy a product that has both a guaranteed cash value as well as a non- guaranteed value. If you did, then get both numbers.

If you are concerned about the future value of the policy, ask them for an in-force illustration showing current and future values, assuming no future premiums are paid. I stipulate that because I assume that when you say “paid up,” you mean you have stopped paying into the policy.

This is a good time to evaluate your need for life insurance going forward. Make sure you cover all the possible bases, because there could be a number of reasons for why you need coverage.

2 weeks ago
    Debt, Insurance
How can I borrow money from my life insurance policy?
92% of people found this answer helpful
December 2016
    Life Insurance
Do beneficiaries pay taxes on life insurance?
89% of people found this answer helpful
December 2016
    Long-Term Care Insurance
What are some tips to pay less for long-term care coverage?
83% of people found this answer helpful
August 2017
    Insurance, Life Insurance, End of Life
Is it wise to borrow against the payout of a life insurance policy to pay for a bucket list wish for my mother, who is in declining health?
80% of people found this answer helpful
2 weeks ago