Testimonials

Read on and discover what others are saying about Steve Kobrin and his expert team of insurance brokers and agents.

“I wish to thank Steve Kobrin for his assistance in securing life insurance coverage.

Other brokers and agents had said that it would be close to impossible to get insurance because of my medical history. Steve, however, made the effort to give me a chance.

While the prequalification requirements were lengthy, it was well worth the trouble. A policy was issued on my life with a premium and term that I could afford, which exceeded my expectations.

As a veteran insurance agent myself, I am impressed with how Steve faithfully communicated with me throughout the underwriting process. He handled my case as professionally as any agent I have worked with over the past thirty-five years.”

- D.R. South Carolina

“I am a recovering alcoholic and a recovering drug addict.

During the years of my using, I had found myself in legal trouble (domestic problems as a result of the alcohol and drug use) and with a criminal record (originally a felony, but fortunately a charge that was pled out in a plea bargain agreement to a Class-A misdemeanor). I had acquired a criminal background and about 16 years of on-again and off-again drug use and alcohol use. Oh, I forgot to mention that lifelong depression and anxiety were also a huge part of my life and medical history.

Today, I have four years sobriety, have a great job, have been stable, have attended meetings, have a sponsor, and have worked the steps. I was completely honest on my life insurance applications, but I could not find a company willing to take a risk on insuring my life. Being uninsurable seemed to be yet another consequence of my prior choices — or so I thought.

After being declined several times by “top” life insurance companies, I almost gave up hope. Both my fellow recovering companions and most of the research I’d done revealed that I might be uninsurable for up to ten years.

I was discouraged with the statistics. But I had worked hard to achieve my sobriety and rebuild my life. The bottom line is that I believed in me, and I had faith that my hard work and commitment to recovery would pay off in terms of getting what I believed I deserved.

And getting life insurance was a large part of the financial planning necessary to completely rebuild my life — to ensure a future for my children — maybe as a way to make up to them some of the wrongs I’d done them — so they would have no additional worries or concerns in the event that I should pass away while they were trying to establish their lives. I felt it was the least that I could do, as part of my amends to them.

Being stubborn and determined (I’ve slowly learned to turn these into positive traits), I decided to continue my search for someone — a company that would be willing to take a chance on me in recovery.

I “googled” high risk insurance and stumbled upon Steve Kobrin’s company. Reading some of the testimonials of those who had become insured, I was encouraged to apply.

I cannot emphasize enough the importance of being rigorously honest in the application process and of being patient with the process. Fortunately, my recovery program taught me the principle of being patient and that good things come to those who wait.

Many times during this waiting period I became discouraged, but Steve never became frustrated or impatient with me. He was an awesome cheerleader and gave me the pep talk and encouragement to stick with it.

I did stick with it. And I am now insured at a rate that — although higher than a rate for someone who is an average risk — is not unreasonable given my circumstances. I could not have done this without Steve. I honestly don’t think I would own a life insurance policy today, were it not for him.

Thank you, Steven, for your wonderful skills, attitude, and knowledge of this specialized field, as well as your knowledgeable staff!

I am grateful to you.”

- Kim Texas

“Steve did a great job of guiding me through the prequalification process and was very detailed and attentive.

He was able to get me coverage that I needed at a competitive rate and did it in a very professional and efficient manner.

Steve stayed on top of all the paperwork and various clarifications, which facilitated a successful underwriting process.

It is undeniable that Steve provides the highest level of service to his customers, and this sets him apart from all other Life Insurance professionals.

Steve – Thank you for your terrific service!”

- Sergey New Jersey

“The prequalification process was excellent; it was very comparative but better.

Steve was professional and no nonsense.”

- Gabriel I. New Jersey

“I had a couple of life insurance agents discourage me from applying because of my mountain hobbies and cholesterol medication. One encouraged me to withhold that information from my application. I had a couple others quote me unaffordable rates.

I wanted to make sure my family was protected without radically changing my lifestyle, but I was getting discouraged.

Then I came across a helpful web article by Steve Kobrin.

I called the phone number I found on the web and asked if he would sell to someone on the other side of the country. I found him prompt, helpful, and very well informed. Not only did he get me the insurance I needed without compromising my integrity, the insurance was 30% cheaper than his original quote. He got a great rate for my average-American wife too.

I recommend Steve to everyone, not just people who are traditionally classified as high risk.”

- Richard Utah

“Because we are in our middle 50s, and my husband is a smoker, I don’t have to convince you that finding an insurance company willing to cover us at an affordable rate is very difficult.

Steve Kobrin was very instrumental in finding us affordable and reasonable coverage.

The Prequalification process was just as he described and performed in a timely manner by qualified persons who were very polite and helpful. Steve kept us informed continually of the progress and status of our applications, and finally, our application approval. He has been very kind and helpful all throughout this unexpected and unplanned insurance search.

My husband and I recommend Steve to anyone that is in need of affordable insurance.”

- Nancy U. Texas

“My wife and I really appreciated the way you stuck with us through this process. It can be difficult to focus on the next step when lives get busy, but you helped us keep moving forward, resulting in a successful application for insurance.

Thanks again for your consistently attentive service and attention to detail.”

- Tom C. New Jersey

“The prequalification process was very helpful without being too complicated or too much paperwork. It saves time by avoiding completing unnecessary paperwork with other companies in which you may not qualify. And Steve is very friendly, helpful and easy to deal with.”

- S.B. Colorado

“I was having a hard time finding insurance. Other sites either quote you on just one company at a time or maybe a few companies, but they’re all missing one important thing — prequalification. That’s really the key to finding quality affordable insurance.

Steve was a great help and worked very hard to find a good company at a good rate. He kept me informed at every stage of the process and was always available to answer any questions I had along the way.”

- Chris B. Florida

“The prequalification process gave me good expectations as to what was available to me in terms of coverage and what the costs would be, with the estimates proving to be highly accurate.

Steve’s level of service helped to ensure that the coverage was exactly what was needed in terms of specific beneficiaries, and amounts of coverage. The service was personalized and yet highly professional.”

- Ed K. Ed K. New Jersey

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.