Testimonials

“Prequalification is the best way to go with getting insurance, and Steve is like a bird dog about getting things done, and on time, and that is good.”

“Before I met Steve, I reasonably concluded that my particular medical history barred me from obtaining adequate life insurance coverage. I was ecstatic by the results he obtained.

I consider myself a pretty bright guy; however, I didn’t understand just how critical the prequalification aspect of life insurance truly is. There was work still to be done after I prequalified, but I felt secure at least that I would obtain insurance. And that was no small thing.

Steve is a broker and advocate. He worked meticulously and thoroughly. He returned emails and phone calls. I turned to Steve in crisis, and I felt that he fought on my family’s behalf.”

“The prequalification process was very thorough, and it avoided duplicating work and wasting valuable time.

The service received was excellent, along with follow up and communication, to ensure compliance with all dates and deadlines.

If you are considering this service, my advice is to follow the instructions from Mr. Kobrin to ensure complete accuracy.”

“I originally contacted Steven hoping to save some money over my current life policy.

I’m a rock climber. Because of this, my current policy premium was increased 50% above the cost for a non-climber. I had seen Steven’s advertisement in Rock and Ice Magazine, and I finally took the time to contact him.

The prequalification process was fairly brief, and the quoted premium to replace my current policy was a significant saving.

Steven does dig a bit deep so as to understand, and then convey, your risk profile to the underwriters. My advice is to be as honest and forthright as possible so Steven can do the best job for you.

I had really never worked with an insurance broker before, but I can say Steven’s level of service has been well above most company agents I’ve worked with over many years.

Steven always responded promptly to both emails and phone calls. He is willing to take time to explain things and answer your questions, all in a friendly, yet professional manner.

I don’t give praise unless it is warranted. Steven does a good job. My thanks to him.”

“For some health reasons, we were unable to secure life insurance provided by our local agents. We tried everything.

We learned about Steve on the Internet and heard that others had success getting life insurance with his assistance.

We used his prequalification plan and unveiled all of the problems that were challenging us. With everything out in the open, Steve found a carrier that would provide coverage for us.

We were very surprised, our doctors said that it would be impossible to get coverage but Steve found it for us.

Steve was very professional and worked on securing our policy quickly. He has always been helpful and responsive whenever we have had a question or a need. We were very pleased with the service provided.

Thank you for all of your help Steve! We are so glad that we found you!!!”

“Steve is a very efficient, organized, systematized small business owner. Thoughtful, client-driven processes set Steve apart from his competitors by a mile.

Its one of the reasons I use Steves life insurance solutions for my clients; I know they will have a great experience.

Plus, by focusing only on helping folks with their life insurance needs, Steve has built an extremely deep expertise and is a key subject matter expert for my clients.”

“Thank you for all of your help in obtaining a life insurance policy that every other agent/broker I spoke with told me was not available due to my health condition.

I truly appreciate your efforts.

In addition to working hard to get the policy, the process was very easy for me since you were so knowledgeable about my condition and were able to prequalify me.

Not only were you able to obtain the policy, your prequalification process was simpler than all other agents/brokers that I spoke with.”

“Steve’s prequalification process was very helpful. It saved on time for research as well as giving the feeling of having an expert at work for you. The service was excellent.”

“My current policy premium had been escalating, every year, since I was through the premium guarantee period, and I knew I couldn’t continue it.

I contacted Steve, told him my situation, including the fact that I had tried to get insurance 5 years previously and was quoted an extremely high premium by one company and was turned down by another.

Steve was very thorough during the pre-qualification process. This was important to me because he was determining — before we actually went through the formal application process — that a quote was available based upon my particular circumstances.

The bottom line is that Steve worked with me through the pre-qualification, the application, and the underwriting processes. A few days ago, my policy was issued with: (1) more than double the face amount of my current policy (which I am letting go); (2) a 15-year premium guarantee; and (3) a premium that is about equal to where my current policy premium was for this year.

I am very pleased with Steve’s professionalism and the results of his services. I have since referred two people to him with similar situations, and he is in the process now of helping them.

One more thing… I myself am an insurance agent in Oregon with many years of experience, but I found Steve’s expertise in dealing with people who have some medical issues very valuable. I found out about Steve online while doing a Google search for life insurance for someone with some adverse medical history.

The fact that he is all the way across the country was not a problem either. He communicated regularly through phone and email, and I received the documents I needed to sign in the mail, in a timely manner.

I highly recommend Steve’s services.”

“Recently I was thrown into a situation that my insurance expired and my carrier had not notified me. Upon “re-enlisting” my nightmare began. It was easy to qualify, for a few thousand dollars more per year. PER YEAR.

So I turned to the same company that I have my car insurance through and was quoted one price and — after the paperwork was done — was given another price, for a few thousand dollars more per year.

I was uninsured, self-employed, and couldnt afford the prices I was being charged. It was really a scary place knowing that if something was to happen to me, my husband would lose me, my income, and my company.

I was introduced to Steve by a fellow BNI-MN member. I was told Steve is an expert in hard-to-insure cases.

My life is very chaotic and I made it very difficult for Steve to communicate with me. He never gave up. No matter how many times I didnt answer emails or phone calls. Steve was patient when most would have given up!

He knew I needed help and he knew he could help me. Never did he treat me with disrespect or frustration. Steve went out of his way to help me. Even when he mailed papers out that NEEDED to be returned, he would call and remind me, of course after he called to ask me if I needed help filling the papers out.

Again, I cannot reiterate how much help Steve was during the entire process. He was kind, helpful and treated me with respect.

More importantly, he got me insured. Higher coverage for lower price. The peace of mind is priceless.

I would never put my name behind a referral unless my heart was there also. Steve has gained my trust, my respect, my business, and my heart.

Thank you Steve for everything.”