Testimonials
Testimonials are a great way to become comfortable with a business person, before entrusting your business to him.
Will he treat me right?
Does he deal honestly with people?
What's it like to work with him?
Are you thinking these questions? Here are some answers - personal experiences from folks who've worked with us. We thank them for taking the time to write.
Testimonial authors have NOT received compensation for their testimonials; and testimonial authors do NOT have a financial interest in the company or a related entity as a stockholder, director, compensated employee, or any other interest.
~ Full disclosure per life insurance advertising statutes in some states.
Most Recent Testimonials
April 25, 2008
Steve,
You displayed professionalism, commitment to getting me the policy that works for me, right coverage, and the best rates.
Simply put, your prequalification process was simple, transparent and painless. It's a test-drive tool and I totally recommend it! Your step by step explanation of the process was simple and made it comfortable for me to relax and gain more confidence in you since I was a first time client.
Also, I was even more comfortable because your company has no allegiance to one particular company or products. I have no problem recommending you to family and/or friends.
Shawn S.
New Jersey
April 17, 2008
I found Steve Kobrin by web surfing for Life Insurance on a 66 year old, with diabetes type 2 and hypertension. AARP and others have higher premiums for seniors with these symptoms.
The medical exam of an EKG, Blood Pressure, and Blood Tests took place in my home, and lasted 40 minutes. It was painless and short. It was "on-schedule," and did not interrupt my routine.
The policy rates were given within a month of the exam and I was happy with the Premium Rate. I was mailed my exam results with all blood tests clearly showing the expected range of each test along with my results. It is an excellent, easy to read medical report.
I bought the Policy from Steve Kobrin. I am pleased with his service. Sorry that I won't live to verify the claims department service of this purchase.
Andy Swank
Arcadia, California
2008 - Quarter 1
March 12, 2008
After trying so many times to get insurance without a successful outcome, the Prequalification process gave us hope that - this time - getting life insurance might become a reality to us.
Prequalification gives you also an idea of how much it might cost you to get coverage - and how much you can afford to pay monthly/yearly - and how much coverage you need.
Considering the lack of information and communication other brokers incurred on us, Steve kept in touch with us along the entire process and succeeded in getting us insured.
Thank you, Steve!
Antonio & Teresita
California
February 21, 2008
I found Steven while searching the internet for an agent who could help lower my premiums (I was Table D for a history of Hepatitis C despite successful treatment).
After Prequalification, he informed me that I would likely qualify for standard rates--and I did. (Finally someone was wiling to listen to the “successfully treated” part instead of just the “history of Hep-C” part!)
Steve obviously has knowledge of which insurers are more tolerant of different kinds of risks. Most important in the process was that he provided realistic expectations of what to expect and what coverage would be available.
M.V.
Ohio
2007 - Quarter 4
October 24, 2007
Steve,
I have never shopped for life insurance before, but I found it remarkably easy.
Steve was very helpful with the long and sometimes complicated process. He provided a quick response to every query and made sure I understood the fine print.
I'm very happy with my product as well as with the service.
Jason M.
Nevada
October 19, 2007
As a rock climber, I was concerned about finding an agent and a carrier that would be able to get past the label "extreme sport" and make a rational assessment of the risk.
I found Steve's pre-qualification survey to include a vastly more detailed rock climbing questionnaire that underscored an honest effort to weigh the risks in a fair and logical way.
And as the owner of a small business with many things competing for my attention, I really appreciated Steve's work to complete all the forms and keep me on top of various paperwork deadlines.
Scott K.
California
October 10, 2007
Hi Steve,
You know, one of your competitors tried to sell me life insurance today and I just smiled. I said sorry, no thanks.
I will not go anywhere else but to your agency. You have built a reputation with me similar to how the US audience now looks at the Japanese automobiles for reliability.
Kevin T.
New Jersey
2007 - Quarter 3
August 8, 2007
Steve's prequalification process was quick, easy, and provided accurate and deliverable quotes.
He kept us constantly informed of the application's status and promptly notified us when additional information was required. Everything was handled both professionally and courteously.
We highly recommend Steve Kobrin's services.
Patrick & Amanda
California
August 6, 2007
Steve,
Your level of service was very high compared to other brokers that I have worked with. You communicated the facts of my case to me in a timely and accurate manner. In addition, you were honest about the prospects of my situation.
The prequalification process was extremely helpful to me as a diabetic, by enabling me to look at different rates and possibilities before going through the full qualification process.
I would recommend your service to anyone, but especially to diabetics who are having trouble obtaining life insurance.
J. Miller
New Jersey
July 12, 2007
Hi Steve...
I came to know you through my partner and friend, Robin Volpe.
Your prequalification process was extremely thorough and very user friendly. You were available for questions any time of the day. I now have a policy that is economical and complete for my needs with my busness partner.
I am so impressed that I have discussed with my husband the review of our own personal needs for insurance. You ask pertinent questions, do your homework, and present a product that is very efficient and affordable.
I look forward to continuing business with you....
Gloria BeneduceMcGrath
New Jersey
2007 - Quarter 2
June 19, 2007
Hi Steve,
Thank you for your time and effort in putting in place a policy that will help cushion our needs in an unfortunate event.
We appreciate your services and you truly went the distance in both communication and representation of our life insurance needs.
Our family has peace of mind!
Byron & Shauna Taylor
California
June 11, 2007
Steve,
You have no idea how much peace of mind and security you have helped bring to me and my family by providing me the opportunity to receive life insurance.
Being diagnosed with a rare liver disease in addition to Crohn's Disease was devastating, but realizing the possibility of not receiving life insurance to take care of my two young children because of those diagnoses was crushing.
You were relentless in tracking down a company who was willing to take my case and I am so grateful for that. Although the process took a few years to complete, with a few rejections along the way, I was thrilled to find out that affordable life insurance was finally within my reach.
Thank you for your compassion, thank you for your dedication, and thank you for your hard work. You are a real Mentsch!
L.B.
Pennsylvania
June 2, 2007
I found Steve's website as I started to look for life insurance for my husband and I. We had gotten a quote from our previous agent but wanted to shop around.
I found lots of useful information in the website and decided to give him a call after trying a number of life insurance companies and brokers.
Steve was very thorough from the beginning and I felt that he was looking for the best deal for us. He was always very responsive to my calls and emails.
We would highly recommend Steve and would use his services again.
Luz Fischer
Amelia Island, Florida
May 28, 2007
Dear Steve,
The prequalification process was easy. Directions for the paperwork were simple to follow. The health examiner was on time, friendly, and helpful. I appreciate that the results from the lab work were forwarded to us so that we were able to share the information with our physician.
Just to get an idea of what other options were available to us, I went to an insurance web site that guaranteed lowest prices. I found that we were quoted the same price you quoted. Nice to know we could work with a person, rather than a web site, and not pay more.
You kept us informed thorughout the process. You tried to find out what our needs are, and tailor a policy to fit those needs. You cautioned us to make sure we did not cancel our insurance until we were covered by the new policy.
I have not had much experience working with insurance brokers. I can say you were never pushy. I never felt like I was being talked into something. You tried to explain options and go from there.
Thanks,
Bonnie
New Jersey
May 21, 2007
Steve,
Your prequalification process was Absolutely helpful to us, as consumers. We knew very little about this process and we learned quite a bit during the prequalification discussion.
You were able to explain the opportunities and issues related to life insurance. You were incredibly diligent and easy to work with.
Many thanks for all your help.
Amy Freitag and Cindy Smith
New Jersey
May 16, 2007
Steve was Great to deal with throughout- thorough, efficient and very knowledgable. We trusted him entirely and will be sure to recommend him to friends.
Jocelyn Ruggiero
New Jersey
April 25, 2007
We all work in a very fast paced, appointment busy society. Working with Steve gave me the opportunity to continue my daily routine and still get all the paperwork done in a timely fashion.
The process was easily spelled out and took less time then stopping to get my morning cup of coffee. Steve was on the ball and kept me posted all along the way.
I highly recommend Steve Kobrin for all your insurance needs.
Tom Simons
Director of Education & Public Programs
Omaha Children's Museum
500 South 20th Street
Omaha, NE 68102
(phone) 402-342-6164 ext. 411
(fax) 402-342-6165
(email) tsimons@ocm.org
April 2, 2007
Steve,
Your prequalification process was helpful to me because you actually delivered in the end on the insurance quotes you said up front that you thought you could deliver.
Other insurance agents quoted me incredibly low rates at first, and then incredibly high rates after I went through the trouble of the application process -- even though I told them up front what my problem areas would be (i.e., rock climbing).
You actually took the time to understand what kind of climbing I do, and relayed that accurately to the insurance company. Being mostly an occasional boulderer, that greatly helped lower my rates.
Your service is great. But the real difference is that you are realistic and thorough in your questions up front.
Thanks again,
Richard Beller
Ringenberg, Funk & Beller, P.C.
215 West Oak Street, Tenth Floor
Fort Collins, CO 80521
(phone) 970-482-1056
(fax) 970-482-0819
(email) rdb@rfb-law.com
2007 - Quarter 1
March 31, 2007
Due to my recent diagnosis with a chronic, connective tissue disease, I assumed I would be uninsurable. At the very least I expected to spend countless hours and endure countless headaches searching for someone to spend their time on me. I dreaded even starting the search for life insurance.
Luckily, I was referred to Steve Kobrin right away. What a blessing!
Steve's Prequalification process was quick and painless. Steve explains the common sense need for Prequalification in terms even I can understand.
I was most impressed with Steve's genuine concern for me and in making sure my needs were met. Steve's attention to detail and his steady communication made me feel like I was his only client. I kept thinking, "How does he find the time to be that way?"
Steve is a rare breed in this day and age. I certainly do recommend him to anyone for their insurance needs. You won't be disappointed.
Sincerely,
Kelly Pleas
Washington
March 23, 2007
Steve,
I appreciated your great service and help.
The questionnaire you provided made the usually arduous task of qualification a lot faster. Instead of a long phone call or many back and forth written communications, we were able to get to the crux of matching my needs to an appropriate policy in very short order.
I wish all of my insurance providers had a streamlined process such as yours.
You did a great job explaining each step of the application, and were extremely responsive to my questions. In short, you made it very simple for me to get the coverage I needed, with minimal effort on my part.
I wouldn't hesitate to recommend you to my family, friends, or colleagues.
Best,
Matt S.
California
February 22, 2007
I came across Steve Kobrin's website after getting the run around for over 8 months with two separate Internet based brokers.
These brokers took me through the lengthy Prequalification process only to find that the insurance company would not take me (due to foreign travel). I was also passed off from one "client service rep" to the other and it took them days to return my emails.
In great contrast, my experience with Steve has been exemplary.
From my first contact with Steve he has shown great professionalism and knowledge of the issues that someone looking for life insurance faces. He knew right away which insurance company would likely take me and the Prequalification forms he sent were meticulously explained. Beyond that, he was very responsive to my questions and emails and personally took me through the entire process.
I highly recommend Steve's services and would definitely go back to him for my future insurance needs.
Philip Sutantio
New York
February 8, 2007
Prequalification takes the worry about approval out of the process. If you don't prequalify you aren't obtaining the most competitive rates for your unique case.
Steve Kobrin is a stellar representative for tough cases. Trust him implicitly and you will wholeheartedly receive his best efforts--a life saver and money saver!
Catherine E. Cook
Virginia
January 17, 2007
Compared to other insurance brokers we've worked with, your level of service is a vast improvement due to your knowledge in obtaining life insurance for persons with chronic health conditions.
Also, we were very appreciative of your frequent communication during the underwriting process. We were kept well informed.
Steven L. Albertson
AIG Domestic Claims, Inc.
Environmental Claims
101 Hudson Street, 30th Floor
Jersey City, NJ 07302
(Tel) (201) 631-7136
(Fax) (201) 631-5043
(Email) Steven.Albertson@aig.com
January 14, 2007
Steve’s prequalification process is simple and informative and allowed me to evaluate the options available to me so that I could make the best choice possible.
The level of service is better than any other company I have experienced. They care about the client and are very helpful during the whole process.
Ben
Pennsylvania
January 2, 2007
Steve Kobrin's service has been impeccable. He is very knowledgeable and thorough. His prequalification process was probably the only way in which I could have gotten coverage for me and my family.
Due to high liver enzymes, my initial attempts at life insurance coverage were rejected. Other life insurance agents appeared to not have the interest or the knowledge of how to deal with my situation. Steve did.
I am grateful to Steve for pursuing the policy with diligence and concern. He got it done!
R.H.
Kentucky
2006 - Quarter 4
December 22, 2006
I came across Steve's website after trying a number of life insurance companies and brokers. The companies were really interested in providing me life insurance quotes until I mentioned my ulcerative colitis which had been cured four years earlier by surgery.
After my first phone call with Steve, I knew that I had finally found what I was looking for -- someone who would go to bat for me to find me the best coverage and rate. Steve not only talked a good game but he delivered. Through his hard works and insurance contacts he secured a Standard Plus policy for me.
I was also impressed with the promptness that Steve would return my calls or answer my email questions. He was nearly always available.
I would highly recommend Steve and his team and would use them again if the need arises. I only wish he would use his skills to help me with my health insurance.
Thanks again Steve.
Todd
Utah
November 21, 2006
I worked with an online company at first and felt like a number. Steve offered a personal touch that made all the difference.
Prequalification gave me comfort of knowing where I stood in terms of securing life insurance before I made a formal application.
I have recommended Steve to my family and friends.
Darran Caputo
New York
2006 - Quarter 3
September 11, 2006
Dear Steve,
This is to thank you for the outstanding service you rendered in connection with my recent purchase of life insurance.
Your unique service of Prequalification was especially helpful. I was under a time pressure, and the fact that you Prequalified me allowed me to make my decision quickly without having to wait weeks for an insurance company.
I would remind you also that I told you in the beginning of the process that I have been dealing with a highly professional agent in South Carolina for 50 years and would probably place the business with him unless it was especially worth my while to change. Not only was your Prequalification much faster than waiting for him, but the rate you got for me was considerably under that which he obtained.
You can be assured I will most certainly contact you for any future insurance needs I might have.
Very truly,
Nathan Rephan
South Carolina
September 3, 2006
Service was acceptional. The prequalification process is easy, they will coordinate a physical at your residence if requested. Steve Kobrin was always available and assisted me every step of the way.
Eric Lewis
Rhode Island
Ab Initio LLC
dba Jimmy John's
August 10, 2006
Dear Steve,
I just wanted to take a few minutes to express my great thanks to you for turning my Life Insurance situation from declined- twice, to insured at a very reasonable rate, within a very short period of time! Let me elaborate.
From the very first time I spoke with you on the phone all the way through just this week receiving word from you that I was covered and that all was said and done, I have felt as though I were your only customer. Seriously. Your attention to my situation has been that exemplary. And, if I had a question, (most of our correspondence was carried out through email) you answered it within a couple of hours and NEVER any more than twenty-four.
You spent the time, upfront, to pre-qualify me. You delved into my health situation, you asked pertinent questions, and, above all, you were extremely professional in your approach to sensitive subject matter. When we were finished you said that it was not as bad as I had thought- and that you could help me. After that, I felt as though, through you, I had taken control of my life insurance debacle. You weren't kidding in the end either. My family is now protected.
Other agents? Please. NO help. I was shuffled through with little, or worse, BAD advice. In fact, the agent that originally helped me said that he would call back in a few months so that we could try again. Surprise! Never called. You, however, took the time at each and every step, to get back with me promptly so that I might feel informed. This was a very smooth process and very... non-stressful. You said that it was all do-able and you weren't kidding!
Thanks again, Steve. Great professional and courteous service. GREAT price in the end as well. My family and I have peace of mind at a very affordable price. If I ever have a conversation about life insurance with ANYONE EVER- your name WILL be mentioned. As a matter of fact, it already has happened! Needless to say you have and will be highly recommended.
In closing, rare is it, in my experience, to HAVE a great experience purchasing anything. You, Steve, have fixed a problem for me that I was beginning to think was unfix-able. Thank you very much. Your services have been GREATLY appreciated.
Val
Indianapolis, Indiana
August 8, 2006
Dear Steve,
Your prequalification process was so informative and outlined all the issues in obtaining the best life insurance coverage at the most reasonable rate.
Not only did the process provide me with all the information I needed, but it also provided coverages and rates that we ultimately obtained.
My experience with you for personal insurance was so well handled, that it was an easy decision to use you for our business insurance.
When other companies found reasons to increase their rates, you did research and provided coverages with companies that did not use this tactic.
Thanks again for all your efforts and excellence service.
William Gruhler
New Jersey
August 8, 2006
Dear Steve,
What impressed me most was the service you provided throughout each step of the process. Your communication was superb. I was never in doubt about where I was in the process and what I needed to do.
I highly recommend Steve Kobrin to anyone looking for not just great insurance rates but also for superior service. He's the best.
Mark McClean
Indiana
July 16, 2006
Steve Kobrin is the best Life Insurance Broker I have ever dealt with.
Previous to his effort I have been refused countless times by several life insurance companies through other agents over the course of three years. The main reasons were a combination of my health conditions and age.
However, Steve succeeded!
In addition to his many insurance contacts and unusual skill, an important reason for his success is his unique Pre-Qualification Process. While other brokers work with various insurance companies, Steve works for his clients, insuring them the best possible deal.
Contact him and you will also sing his praises.
Dr. Jay B
New Jersey
July 3, 2006
[Steve's prequalification process] ensured that I would qualify with the right company at the right rate. A very important step if you have any concerns over your insurability.
Steve has very broad knowledge about the different carriers and their individual preferences, and can thus tailor your coverage to the best carrier for you.
Steve is very thorough, professional, and offers great communication and follow-up.
David Brainson
New York
2006 - Quarter 2
April 1, 2006
Dear Steve,
Thank you so much for helping me get approved for my Life Insurance. The patience and effort you've shown me is all appreciated.
I applied with a number of agencies but I feel better with your company. You take care of your clients very well and let them understand everything - policies, beneficiaries, coverage and of course your affordable monthly payments.
Jenalyn Y. Brillas
California
2006 - Quarter 1
March 19, 2006
Dear Steve,
Thank you for your persistence and your resourcefulness.
Most climbers have such a hard time getting life insurance even though many of us know that the drive to the crags is statistically more dangerous.
We are grateful to know that Bob is covered during work and play and we appreciate your help through the entire process. Thanks again.
Michelle and Bob
Colorado
March 15, 2006
I needed to obtain life insurance for my business. This was a case that "Typical Insurance companies did not want to deal with."
A quick email on a Sunday to Steve resulted in an immediate call back on the same day. Based on the information I gave him over the phone he said "No Problem" and even gave me a preliminary quote.
I gained immediate respect for him as a true professional. He followed through the process until the end effectively. Thank you Steve.
Ali S.
California
March 9, 2006
Dear Steve,
First, we are all so grateful for the care, professionalism, efficiency and expertise with which you were able to help our family obtain this very important life insurance policy for our father.
We called, e-mailed and spoke with many agents, however, one thing stood out about you which we did not receive from the other agents...and that was the personal touch and attention to details in getting our father signed up in a timely manner.
Although our dad is in a nursing home, he is extremely delighted knowing that he is insured and his children will not be burdened with the worry of his final expenses...and you made that happen...and for that we are so grateful.
The prequalification process and the level of service we received were and still are superb. It made what we initially thought of as a very stressful process seem like a walk in the park. Even when little problems arose, they were handled with such proficiency and expertise that we didn't have to worry.
We would highly recommend you and your services to anyone who is in the market for insurance.
Brian A. Guido
Maria V. Tagliarino
New York
February 20, 2006
Thank you very, very much for all your help and information. You're the answer to a prayer, and I'm sure you've heard that before from 'hard-to-insure' people like me.
Depression and substance abuse are both conditions that carry a stigma -- and therefore are very shame-based -- and you completely lift that away.
I'll refer everyone I know with similar histories to your agency, and I hope we can do business in the future.
Barbara
Illinois
February 13, 2006
Steve did a great job for me finding a policy that was almost 1/2 the price I was quoted by other insurance brokers.
It is frustrating to see the rates sky rocket because a company views being a rock or alpine climber as extremely dangerous. Steve shopped my information around and found a reputable company that gave me a good priced policy.
Steve made it easy to work with him being available via email or phone.
Richard K.
Washington
January 24, 2006
Steve,
Your service was just fantastic. I have never had such great service from any person whether in the insurance area or otherwise. You were very kind, reassuring, diligent and accessible... very professional.
Alex Mook
California
January 20, 2006
After a horrible experience with 2 different dot com insurance brokers, I found Steve Kobrin.
It was a pleasure to deal with a professional insurance agent rather than a telephone clerk. His prequalification process and level of attentive service is unmatched in the industry.
I would recommend Steve to anyone looking for life insurance.
Peter Agola
New York
January 18, 2006
Steve was the only insurance person that I could find who would work with me.
I had given up on getting life insurance. Steve never gave up and worked hard to deliver results. If you have a challenging situation I feel confident that Steve is the right person to help you.
Rex White
California
2005 - Quarter 4
December 19, 2005
With Steven Kobrin's prequalification process, what you see is what you get.
Unlike the big online companies that offered a great teaser quote than tried to sell me a different policy months later, Steve personally made sure I knew exactly what I was buying and that all my questions were answered.
He made sure the policy I got met my family's goals and budget and took the mystery out of the process.
I'm pleased to have found a broker to work with for my future life insurance needs, and am happy to recommend Steven Kobrin to others.
Adriel Hampton
November 27, 2005
I could tell you guys really cared about my needs as a customer.
The prequalification process was fast and friendly. I liked the fact that although personal/medical questions were asked, it didn't seem like a series of invasive questions.
You were always there to answer question and give updates. I knew if I called or emailed with a question I would receive a response within 24 hours.
The medical part of the process was quick and painless. Your team of professionals came to my home, gathered their information and samples and were on their way within about 20 minutes---perfect for my busy schedule.
You went out of your way to find the right fit for my needs. As a self-employed person, I really value your level of customer service.
Joseph C
Tennessee
November 13, 2005
Dear Steve,
Just a note to thank you for your help and diligence in getting me life insurance.
Having spoken with three other brokers in my quest, you were the only one to truly take an interest and afford me with personal service, rather than just e-mail me quotes. Your unrelenting pursuit to get me the proper insurance has resulted in both satisfaction and peace of mind for me and my family.
The service I received from you was second to none, and I would not hesitate to recommend you to anyone in need of insurance.
Know that through this experience with you, you have not only gained a client, but also a friend.
All the best,
Norman Schuster
Director, Central Imaging Facility
Comptroller's Office of the City of New York
November 8, 2005
Guiding clients up Everest, climbing K2, flying from the Andes to Africa to Tibet and Pakistan, is my dream-come-true.
My dream just happens to be a life insurance nightmare.
I've grown my business by borrowing millions. All that debt has to be collatoralized by life insurance. In addition, I want to be certain my family is taken care of should an avalanche bury me alive. For years, only an excess market carrier would cover me. The coverage was only for Accidental Death and the premiums rose by 15% per year.
Then I heard about Steve Kobrin. He not only found me a far superior policy, he also saved me more than 50% in the first year alone. With this twenty year term, I should be able to save Hundreds of Thousands of dollars, while not risking the threat of non-renewal.
In addition, Steve's service was amazing. He guided me with care and skill through the insurance maze, fighting a tight time-line.
I couldn't be happier.
Chris Warner
Earth Treks' Climbing Centers
7125-C Columbia-Gateway Drive
Columbia, MD 21046
(cell) 443-838-4221
2005 - Quarter 3
September 20, 2005
The prequalification process was great.
As an insurance agent with several years of experience, the service was excellent and I will definitely use again for impaired risk cases.
Raymond K. Yeates, Jr
Fort Worth, Texas
August 15, 2005
Dear Steve,
Thank you very much for helping me with the life insurance policy. The prequalification process worked perfectly fine for me, and I knew what to expect in terms of premium fee long before I submitted an application. The underwriting process has never been easier for me.
Of all the brokers I've contacted for quotes, you spent the most time with me, and you were thorough and truthful as nobody else.
Once again, thank you, and I am sure I'll call you again if I need more coverage.
JK
California
August 4, 2005
Steve,
You have been diligent and responsive to our inquiries concerning our insurance needs. You have considered our time needs and schedules in working with us to analyze and obtain the products we needed.
We appreciated the way you investigated various options available to us and the cost factors involved and the way you analyzed our existing insurance to update out family planning with new approaches to solve our problems.
Herbert M. Guston, Esq.
Guston & Guston LLP
55 Harristown Road
Glen Rock, NJ 07452
(201) 447-6660
July 1, 2005
The service provided by Steve Kobrin was exceptional. He is very knowledgeable and helped to expedite the entire process.
I appreciated being able to have the prequalification exams and questions handled in my office at my convenience.
Sheila Guston, MA, CAE
Total Management Solutions, Inc.
55 Harristown Road
Glen Rock, NJ 07452
(201) 447-0707
2005 - Quarter 2
June 9, 2005
Steve,
We tried three agents before to get insurance, and nobody succeeded in helping us until you. Thank you.
Some of the agents kept us hanging for weeks and then told us they couldn't help us. You have been very helpful all along and it is much appreciated.
Adele and Judah K.
New York
May 17, 2005
Steve's agency assisted us through the process of obtaining insurance to cover requirements on a commercial loan.
Throughout the process, Steve assisted us quickly with answers to our questions, forms, and communication with the lender. Steve's agency also saved us money over other companies quotes.
We recommend this agency to anyone who is in need of a good honest insurance agent. In addition, we feel the prequalification process was very helpful and a real time-saver for us.
Terry and Iwana Evans
RVExpress RV Park, LLC
1469 Spur Drive
Marshfield, Missouri 65707
(417) 859-7837 (417) 766-6315
April 27, 2005
Dear Steve,
I just wanted to take this time to thank you very much for your outstanding prequalification process and outstanding service.
Steve, as you know I was under the crunch when the bank that I was using required me to get life insurance. I had only one week to get this done before closing on my new business. Remarkably, you were able to get me a great price and turn it all around including the medical examination within 7 days.
Your service, follow-up and ethics were outstanding!
I will definitely recommend you to all my friends and customers alike. Feel free to use my name for referrals.
Thanks Again,
Juan Carlos Ruiz
Latin American Hearing Centers
Miami, Florida
April 27, 2005
Steve,
I felt that the prequalification process was expeditious and painless, without the feeling of being an outcast.
I would encourage anyone that has any health issues to contact you for insurance.
Being in the service industry myself, my expectations of service are higher than most individuals. I can honestly say that your level of service exceeded my expectations in comparison to other entities offering the same services.
George P.
Connecticut
April 21, 2005
Steve,
I want you to know that I am very pleased with the quality of service you provide. The personalized service you provided was unparalleled.
I sincerely appreciate your responsiveness and the way you conduct your business. I highly recommend your company to others because of my satisfaction with your service, and your results.
I had almost given up on obtaining life insurance. I now have the insurance I was looking for at an affordable price. I also have peace of mind knowing that my life insurance is protecting my family from financial hardships in case of my death.
Thank you!
Tony McCartney
New York
April 17, 2005
Steve Kobrin is one of the most thorough and professional people I have dealt with.
I don't like doing business with aggressive people. As a salesperson myself I'm sensitive to the stereotype of being pushy. Steve provided service and responsiveness that not only exceeds the other insurance brokers I've dealt with, it surpasses most people I've done business with. Throughout the process Steve was genuinely concerned about my needs!
His prequalification process certainly streamlined things. All insurance brokers have to ask some personal questions. I've spoken with many and none of them made me feel as comfortable and at ease as did Steve Kobrin.
David N.
New Jersey
April 15, 2005
The prequalification process was a snap. Very quick and to the point. No guess work here!
I have done Life Insurance policies before, but never online. Steve made the process so much quicker and easier and questions were answered immediately.
We truly appreciate the personal service we received. These days business is so crazy, its hard to find someone that wants to help and give individualized attention. Steve went out of his way to make sure we received the information we needed.
Gene and Angela A.
North Carolina
April 5, 2005
Hi Steve,
I particularly like the prequalification process because it offers all the options up front and dramatically streamlines the decision making process.
This has been my first experience with the prequalification process, in the past the procedure was always "apply and wait to be accepted or turned down." In the future I will only work with companies or brokers that will prequalify, "you know the answer before you ask the question."
Communication was key, you have always responded within 24hr. even if you had no new information. The total transaction was almost effortless using e-mail, fax and regular mail. This allowed us to decide and respond at our convenience.
I have a relative in the insurance business and he was not as helpful in this situation.
Katharine S.
Pennsylvania
2005 - Quarter 1
March 3, 2005
Steve,
The prequalification process went as expected. We had no surprises. I would say to other consumers, be honest and upfront. There is coverage for everyone, if you're honest.
Your service doesn't compare to others. With your service, you made us feel important and not just another policy. You followed through with everything that you said you would.
Thanks so much,
Melissa C.
Texas
February 18, 2005
Since I had already been denied coverage by one insurance carrier, I did not want to be turned down by another, knowing full well that if another carrier declined me coverage it would make it extremely difficult to get coverage from another carrier and expensive.
Prequalification gave me peace of mind through the whole process. It would be extremely beneficial for anyone seeking life insurance to go through the prequalification process. If you are not sure of your state of health, it's an absolute must.
The level of service you provided was good. I was kept up-to-date often as to the status of my application.
Dan O.
California
February 15, 2005
Dear Steve,
Thank you very much for everything that you've done for my mom. You are indeed a great person to deal with, and in my mom's case, you really went beyond to help her get life insurance. I should say that you were honest with us, and that really showed how well you treat your clients.
Jane
New Jersey
January 25, 2005
The prequalification process was painless and timely.
The thing I appreciated was that Steve was able to prequalify me without risking a negative mark on my record. If you apply for insurance and get denied it will effect your chances the next time you apply.
Steve worked very hard to secure a policy that my family could afford. We now have the security we need for the next 20 years, and I know if something happens to me my wife will be covered.
I never thought I would be able to secure life insurance, but Steve was able to convince the carrier to accept the policy and at a very competitive rate.
Ken V.
Portland, Oregon
2004 - Quarter 4
December 22, 2004
Steve,
I was very satisfied in that you were very attentive to my needs, especially the rush I needed to get the policy approved... in addition, whenever you sent me something in the mail, your instructions were so easy and very helpful. I would gladly recommend you to anyone looking for insurance of any kind.
With special regards,
Allan Melzer
New Jersey
November 22, 2004
Steve,
Prequalification was helpful because I knew I was facing an uphill battle in securing life insurance, and prequalification allowed me both to get an answer quickly and to know what sort of policy and fee I'd be qualified for.
I would certainly recommend prequalification, because it does give peace of mind. It's personalized (unlike so many other preliminary quote offers) and let me go through the process without undue worry.
Your level of service is excellent. Although we've conducted all business via email, I feel that there's been a personal connection and interest. Moreover, I've never had to press or prod you for action; you've always been at least one step ahead of the process and have been incredibly responsive.
I appreciate your efforts more than I can say!
JFB
Atlanta, Georgia
November 16, 2004
I was very pleased to find someone (Steve Kobrin) that was familiar with the problems I was facing in securing life insurance due to my chronic illness.
After having had a company-sponsored life insurance program for the past 15 years I had no idea of the difficulties or costs of purchasing life insurance. Steve walked me through the process and made sure I was kept informed at all times.
I would highly recommend working with Steve as he was very knowledgeable and highly competitive.
Rod
Minneapolis, Minnesota
November 11, 2004
Working with Steve on getting life insurance was a breeze. I sent out feelers to three different representatives and he responded faster and with the most complete and easy to understand information about the process.
Through his hard work we were able to get more coverage (30% more!) than we originally planned following our initial contact with him. The premiums I pay as a diabetic are less than those paid by others I know who do not have chronic conditions.
I told a friend of mine to use Steve's services and would strongly encourage others to do the same.
Ben Birge
Odenton, Maryland
November 11, 2004
After being rejected for life insurance 3 times in 2 years, I was recommended to turn to Steve and his expertise... What a pleasure !!!!!
I passed the difficult task on to Steve and HE GOT THE JOB DONE!!!!! professionally... intelligently and respectfully !!!!!
Tell Steve what you need, disclose all relevant information.... and Steve will run with the ball from there !!!!! you just sit back and wait !!!! What a pleasure !!!!!!!
I have no hesitation to STRONGLY recommend using his services !!!!!
Irwin J. Glustein
Brooklyn, NY
November 9, 2004
Steve,
I found you on the net and couldn't be more pleased with the whole process. Everything was very simple and you explained any and all questions in a very timely manner.
My insurance was quite easy for you but the one that we were very impressed with was the policy for my husband. When we found out he was able to be qualified with a preferred status we knew then that you were the agent for us.
It is hard to purchase insurance for the inevitable but you made it all so easy. Thanks Again.
Tony and Mutemah Sinclair
Missouri
November 9, 2004
Hi Steve,
I think that, especially for people like myself that have a preexisting disease, the prequalification process is especially effective.
I also was very impressed about being constantly updated on the process and my status in it. I found I was able to get any answers I need quickly and a strong rapport was developed with you. I feel you demonstrated a strong concern for my understanding of what needed to be done and what the choices were.
This has been the best overall experience I have ever had with an insurance broker. I would highly recommend your services to anyone. Thank you so much.
Dennis M. Byrnes
California
October 27, 2004
As an insulin-dependent diabetic, I had pretty much given up hope on finding affordable life insurance. Even though I am in impeccable health, I was receiving quotes that were more expensive than those for a heavy smoker!
By specializing in difficult cases like mine and utilizing an in-depth prequalification process, Steven Kobrin secured a reasonable 20-year rate for me.
His level of service was impeccable, with extremely quick and detailed responses to all of my questions. I've already recommended his services to friends and family.
James
New York
2004 - Quarter 3
September 21, 2004
Steve,
It was extremely convenient to fill out your short questionnaire online and receive a prompt response, informing us if we were qualified and how to proceed. Quick and easy to use.
I have already recommended your services to several coworkers. Our company does not offer spousal life insurance. Your process and customer service are excellent and I hope to send you additional clients.
You were thorough in your explanation of the coverage and patient with me and all of my questions. Your emails were prompt, clear, and understandable. Our phone conversation was friendly, personable, and at no time did I feel like we were completing some dull agreement, nor at any time did I feel like I was under any pressure to buy. All in all, it was a pleasant and painless process.
While shopping for this policy I had numerous hard-sell calls and emails [from other companies]. Your service and treatment was completely different and positive.
Thank you for your help.
Lyssa Flaherty
California
September 20, 2004
Steve,
As a salesman with experience in marketing and customer service, I think your service is great!
Prequalification is an excellent idea. Your efficiency and prompt response during the entire process promotes a feeling of trust and confidence. Thank you for a successful application. I have the policy.
Dave
South Carolina
September 3, 2004
Steve,
Allow me to thank you for the efficient service you have provided me in obtaining life insurance.
I had been denied insurance from other companies, but you came through on the type of life insurance I wanted and the price was exactly as you quoted me. You assisted and guided me every step of the way.
Thanks for everything.
Paul Gigerich
California
August 10, 2004
Steven,
I am very happy with the level of service I recently received in obtaining insurance through your company. Your follow-up was excellent and the pre-qualification made the whole process much easier. In addition, I think your rates were very reasonable and held up exactly as quoted in the pre-qualification process.
I would not hesitate to recommend your company to my friends in the future.
David Juberg
California
July 19, 2004
Steve did a great job of prequalifying me. The process was quick, thorough, and got me great coverage with a first rate company.
I was recently diagnosed with diabetes, and knew I might have trouble getting coverage, so I shopped around. Steve specializes in tough cases like mine. He said he could get me the insurance I needed, and he did.
In fact, he was the only one able to get me life insurance, and he got me qualified with two companies.
Trust Steve. Tell the truth about any medical condition you have, so he can work as your advocate. I truly believe if Steve cannot get you insurance, then you can't get it anywhere. He doesn't judge you, question you, or make you uncomfortable. His level of service and follow-through is unmatched. Steve is the best insurance agent I have dealt with, period.
I own a small company that required all types of insurance, every one of them could learn from him. He is fast, efficient, and professional.
I had an agent (not Steve) in my home who told me he could get me life insurance, could not do it, so he tried to sell me insurance for my kids. He kept calling me back because he didn't believe I got the coverage I was looking for.
Steve sold me what I needed, and what was best for me, not what was best for him. I wish he was the only insurance agent I had to deal with. I know it sounds too good to be true, but it's the truth.
Don
Michigan
July 6, 2004
The Prequalification process was fast, and Steve made me feel very comfortable about answering the questions. Don't be nervous about it, I was surprised at how painless it was and appreciated how Steve made me think getting insurance was indeed possible.
Steve is terrific. He walked me through every step. I was so grateful that he kept me informed as every piece of the puzzle came together.
I was in the process of building a home and quite honestly, forgot about what Steve was working on for me in the background. Thank goodness he was so diligent and didn't let me get lost in the shuffle.
Kathleen Davis
Connecticut
2004 - Quarter 2
June 18, 2004
The prequalification process was very helpful because I knew that there was an insurance company out there that would cover people with illnesses. It was also helpful to know what the monthly premiums was going to be. It's a great process!
Steve called and he made sure he was there to help me, no matter what. At first I was a little hesitant giving him my personal information, but then I didn't have anything to lose. Steve assured me that I would get life insurance, one way or another.
Steve's customer service was exceptional. He phoned and emailed me to let me know what's going on. When we would hit a snag, he would tell me what I needed to do to get the process going again. I thought I would never get life insurance, but Steve came through and told me that I was covered.
The difference between working with Steve and others is that Steve wants to help you get covered. Once others find you have an illness, their answer was sorry, nothing else we can do.
I will forever be grateful for Steve for helping me out.
Uyenthi Tran
California
June 7, 2004
Thank you, Steve, for understanding that I'm on the road so much that I don't have time to schedule tests to expedite my insurance.
We were able to achieve our objective with regards to having life insurance without a physician's report with ease. We now feel much better with regards to our situation and know that those of us who are much too busy for the "red tape" have achieved our goal of family unity and peace.
It is unbelievable that we could achieve this goal... we've tried many companies who have bombarded us with "must do's" and you understood our quest to continue our everyday lives but still achieve our goal of having the coverage we needed without the bureaucracy. Please know we deeply appreciate your help and concern.
As I write this to you, know I'm "still a road warrior" but know my family is well cared for... thanks for your help.
Carol Z.
California
June 3, 2004
My vibrant, healthy seven-year old son has a brain anomaly that will not shorten his life and has done nothing to impede his development, however, he did have a total of 3 seizures by the time he was 5 1/2.
Because we have chosen to keep him on medication, we have been extremely concerned about finding health and life insurance for him. It was a great relief when I contacted Steve Kobrin through the National Epilepsy Foundation web site.
Steve was very respectful and helpful. The prequalifying process eliminated the fear we had about him being declined for coverage. My son was approved, and I am so thankful to know that I have this investment set up for him and his future family.
Even though conditions may exist, capturing your health today will be a big relief for tomorrow.
Donna V. Moose
Indianapolis, Indiana
May 19, 2004
Steve,
The prequalification process is a great tool that provides consumers with timely information with minimal risk to the consumer. It certainly is a unique and valuable benefit that distinguishes you from other insurance brokers.
I would certainly recommend you to others who are considered "high risk".
Regards,
Andy Chen
New Jersey
May 13, 2004
Steve,
I felt that all the possibilities for the best quality and value plans were considered based on the parameters I needed. This really put me at ease, and also helped me understand the process.
Prequalification is a necessity. How else could you contemplate a substantial service like this?
I've never been able to feel as much trust with a broker before. When you helped me understand the market you would be working in, based on my own needs and parameters; then I began to appreciate how diligently you were working for me.
Thank you for the opportunity to let others know about the great job you do in this line. It is so difficult to find someone with not only the skills and integrity, but who also truly cares. Keep it up Steve!
Kalman Serkez
Monsey, New York
May 11, 2004
Steve,
Your level of service was among the best I have received from any broker.
The prequalification process was most helpful in expediting my insurance request and providing me with an advanced idea of probable insurability. You met all my expectations in a timely manner.
Pat Brunnock
New Jersey
April 29, 2004
Steve,
I have had Hep C for over 20 years and been turned down at least 5 times by people who said no problem. You said, "I think with what you told me it is well worth a shot!" Well - you were right!
Thanks for walking me through a tough process. Anyone with a chronic illness knows how bad it is to be reminded of it by the words "sorry," "too bad," or other words because of your past.
Thanks again, and please feel free to quote me to others who are sick of being rejected when they might give it one shot with you. Thanks again for making it easier to sleep knowing my family will be taken care.
Gary
Colorado
April 26, 2004
Steve has provided first-rate insurance and finance services to me for over 7 years now.
He is quite thorough in getting the information necessary to do the job right the first time. I receive replies to my questions within one business day. I would highly recommend Steve's services to anyone.
Chuck Schaeffer
Executive Vice President
Tech-Cetera International Inc.
Princeton, New Jersey
April 22, 2004
Steve,
I work for a large, regional insurance agency that provides life and health insurance services in addition to property/casualty insurance that I deal with. Even the people here in my office were unable to provide me with the efficient, professional service you provided.
I wanted to provide my diabetic son with a life insurance policy that could be continued in force as he ages. I knew it would be difficult. All of the other agents I approached, including the agent that handles my life insurance policies, were unable to help me at all, offered outrageous premium quotes or simply never returned calls or responded to me in any way.
You were the only agent that responded to my initial questions and was able to assist me to the end.
Sue Simpson
Utah
2004 - Quarter 1
March 30, 2004
Steve was the fifth broker I tried in getting a reasonable rate for my 40-year old wife. He came through with a good rate confirming his dedication from the first phone call.
Steve and Laura Stefany
Maryland
March 23, 2004
Steve Kobrin is all about hard work, integrity and passion. He was simply fantastic.
Contrary to the myriad of other brokers who I have spoken with (it is clear that all they want is your money), Steve really cares and took the time to communicate each step clearly during the entire process. His follow up, attention to detail, organization and commitment to serving his clients was incredible.
Overall, his professionalism and ability to deliver results is beyond comparison.
Jeff Rutstein
Connecticut
March 12, 2004
I am a 48-year old father of three, who clearly needed life insurance with a high face value. I had a problem with elevated blood lipids (triglycerides) and some liver enzymes. Blood work revealed it was most likely genetic. I had been turned down by several carriers and surcharged so high by my own union carrier that I could not afford the coverage.
I found Steve on the internet by putting in the key words "elevated liver enzymes." How lucky I was that day! Steve worked with me, or really coached me during the entire process from application to medical and finally to policy review and acceptance.
I ended up getting a $500,000 policy at a price I never even heard the other carriers mention. My family can rest secure in knowing I have a 15 year policy that will protect them through the most formative and critical years of their lives.
Anytime I hear people talk about life insurance problems, I e-mail them the next day with Steve’s website. As far as I’m concerned Steve doesn’t sell life insurance. He sells a product that guarantees my wife and children food, clothing, our home, their schools, their neighborhood friends, Christmas gifts and most importantly a loving legacy from their father who can now sleep soundly with that peace of mind.
Thank you Steve, for the gift of peace.
Sincerely,
Charles Vollmoeller
New York
March 10, 2004
I have had the pleasure of working with Steve both personally and professionally.
He provided personal quotes to me in a timely fashion, but more importantly took the time to meet with me and explain the options available to me. His integrity and ability to "connect" and provide for the sometimes challenging needs of his clients are exemplary.
Steve - thank you for this terrific service!
Sue Mills-Winkler
New Jersey
March 9, 2004
The service Steve offers is not only personal—it is professional. I found that no detail was too small for him. Steve is someone I can continue to use and patronize his services.
Thank you Steve. I am sure to recommend you to my colleagues and friends.
Corey Antonio, MBA
Controller
Advanced Millwork, Inc.
Orlando, Florida
March 7, 2004
Steve,
As a 46-year old man looking for life insurance to fulfill an 11th hour requirement for a divorce settlement, it was scary to say the least. You took the worry out of the process to obtain my policy. My best interest was your main goal.
My experience with other agents had lead me to believe that "they are all the same." You proved that mind set to be incorrect. Thank you for the consistent communication throughout the application process. You proved to me that there still is hope for the insurance consumer. Thanks again, Steve!
Respectfully,
Jimmy G.
New York
February 24, 2004
Steve Kobrin was extremely helpful in getting me the insurance I needed. The process was smooth and he was able to work with me where others were not able.
Jeff Shaw
Illinois
February 23, 2004
My two previous attempts to get life insurance were such a hassle that I eventually gave up. One of those attempts was with a highly advertised on-line service. Their initial quotes were great, assuming you had no health conditions to contend with. Once we got into the details the process began to drag on, until I was eventually notified that they would not be able to insure me.
With the prospects of a family on the way, I had no choice but to continue the search. I came across Steve’s site and got in touch with him.
Steve was very professional and courteous. He was able to provide me with the right coverage, at a fair price, that I could not seem to get anywhere else. I am much more comfortable now knowing that if anything happens to me my family will be taken care of.
Brian B.
New Jersey
February 18, 2004
Steve,
I have to say I was very skeptical as to whether you would be able to obtain any sort of coverage for us, as the insurance clearinghouse we had worked with happily for many years said that getting a better policy now would be "hopeless".
It did take a few months for you to find a good plan for us, but that is because you really did your homework, learning about rare illnesses, studying medical records and searching for the plan we needed. Frankly, I am amazed that you stuck with the project. You were able to get us a policy that was far better than our existing one, and with a much lower cost per thousand, too.
I think you are one of the finest insurance agents we have ever had the privilege of working with. Thank you!
Sincerely,
Shelley Ensz
Minnesota
February 7, 2004
Thanks Steve!
After having been turned down not once, but twice for coverage, you went to bat for us with the insurance company and not only got us covered, but at a lower rate than we ever expected!!
It was a pleasure working with you! Thanks for all your hard work and hand holding through this arduous process!
Kim and Joe Guerin
Hilton Head Island, South Carolina
2003 - Quarter 4
December 24, 2003
Steve is the way to go if you want to buy life insurance effectively and online, all without a hassle.
He helped me obtain a 20 year, $250,000 policy at a great price.........all via email. It was so convenient!!
J.D. Moore, Realtor
Tampa, Florida
December 7, 2003
Steve provides the highest level of service. He’s totally dedicated to getting results for his client.
I was grateful for his ability to remove obstacles from the process of getting insurance. I expected that I would be able to get insured (based on Steve’s confidence in his ability to get results).
My expectations were totally met. Steve stayed in constant communication throughout the entire process.
Jim Ettwein
Massachusetts
November 23, 2003
Steve,
Thanks for all your efforts. This transaction was seamless and your actions demonstratively professional! I look forward to continuing to do business in the future.
D. Moody
California
November 17, 2003
I was told by other agents that I could not be underwritten for life insurance due to my preexisting condition.
Steve Kobrin went the extra mile to help me obtain life insurance coverage when no other agent would try.
He was attentive and exceptionally knowledgeable about the industry. Steve's expertise helped me obtain coverage with a highly rated company giving me the peace of mind that insurance coverage brings. Thanks Steve.
Neil
Boston, Massachusetts
November 16, 2003
Steve,
Your level of service is far better than any other brokers I had contacted. No matter when I needed service, you were available to me. You far exceeded my expectations. I got a better policy than I thought possible, at a better rate than I would have believed.
Your politeness and promptness are exceptional, and your diligence brought quick results. I will look to you first, for any future insurance needs I may have, and have already recommended your services to others.
Thanks, Steve !!
Linda Six
Ohio
November 12, 2003
Steve Kobrin saved me almost $2,000 a year with the same coverage. Also, if he finds the same coverage at an even better rate, I trust he will inform me. I highly recommend him.
Pete Borelli
New Jersey
October 28, 2003
Steve,
The level of service I received from you was outstanding. Where other agents had no interest in pursuing a policy for me due to a pre-existing condition, you went the extra mile to not only find a policy, but get me a great value.
Your work greatly exceeded my expectations. I was impressed with the constant communication that kept me updated every step of the way. You seemed to take a personal interest in securing me a policy and answered every question I had without fail.
I would definitely recommend you. I am 100% pleased with the service I received.
Judy Wiseman
Kentucky
October 21, 2003
Dear Steve:
I want you to know how much we appreciate the outstanding service we have received from you and your company. Other insurance brokers we have used in the past were not as helpful, agreeable or as knowledgeable as you. You have exceeded our expectations.
Your prompt response whenever I had a question or a problem was a very professional and positive moving experience. I would definitely recommend you to my family and friends.
It was a pleasure doing business with you.
Sincerely yours,
Rose Michie
New Jersey
October 15, 2003
Steve,
I came to you with very little expectation of obtaining the coverage I wanted at a rate I could live with and afford.
But, you gave me excellent personal and professional advice that resulted in my obtaining coverage for myself and my wife. Now I can rest easy knowing my family and newborn son are protected.
Your level of service and professionalism far exceeds the service I have seen from other insurance brokers I have worked with. I would urge anyone seeking insurance to talk to you, first.
Alex Gonzalez
Florida
Steven H. Kobrin, LUTCF
Consumer Info
Steven Kobrin, LUTCF
6-05 Saddle River Rd #103
Fair Lawn, NJ 07410
(866) 633-1818 Phone
(201) 796-8244 Fax
skobrin@stevenkobrin.com
Steven Kobrin, LUTCF, is life insurance licensed in DC and 48 states. Residents of Alaska and Hawaii should not request a life insurance quote. Use of this web site indicates understanding of these statements.
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