Testimonials

“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.”

“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.”

“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.”

“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.”

“I want to thank Steve for all the hard work he did getting me life insurance.

I had a past history of drug addiction and no one wanted to touch me even though I had turned my life around.

I found Steve’s website on the internet and began the process of prequalification. He came through with a wonderful premium that allowed me to take his policy and cancel a previous smaller term policy that I had with a previous employer.

What strikes me is that although Steve is located in New Jersey, he keeps in contact via email and newsletters so that it appears as though he is a local insurance agent.

I am so lucky that I found the best insurance agent for my circumstances and am grateful to him for the services he offers.”

“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.”

“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.”

“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.”

“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.”

“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.”