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Welcome to the Global Insurance Portal

of the firm of Steven H. Kobrin

Greetings from Steve Kobrin, Founder and President:

I come from an insurance family, and am second generation in the business. Since 1991 I have helped many thousands of people buy life insurance, and am an expert in placing the higher-risk cases.

As a life insurance specialist I have formed strategic partnerships with experts in product lines that complement my own. Clients are best served by a team of “masters of their trades,” as opposed to “one jack of all trades who masters none.” This is true in many industries – medicine, law, and construction, to name a few. When it comes to the important things in life like their finances, consumers want to work with the best in their field.

My professional network now includes experts in a wide variety of insurance marketplaces: life and health; property and casualty; liability; group benefits; senior products; and offshore, captive, and private placement plans. They range from specialist brokers to excess market carriers, in virtually every step of the insurance distribution chain.

My firm serves as a global portal to this vast network of insurance experts. Whether you are a broker seeking a strategic partnership with a wholesaler; a venture capitalist soliciting policies for a portfolio client; or an on-line retail store seeking to expand into financial services, we can assemble the team you need.

Their products and services are available through the platforms below. Simply contact our office for assistance, and we will engage the appropriate specialist(s).

In most cases, the provider will compensate us, with no out-of-pocket cost to you. In some cases, we will charge you a consulting fee. In all cases, you will be advised of the terms of our compensation before engaging our referral and team-building services.

For high net worth and ultra high net worth men and women:

Concierge insurance brokerage and consulting services for estate and business planning.

You will receive high-end, personalized expert assistance in meeting all your insurance needs related to estate preservation, estate equalization, business planning, legacy planning, and charitable giving.

Insurance policies customized for corporate directors, officers, and executives.

You can indemnify your corporation against potential losses due to death, disability, legal and fiduciary misconduct, and public disgrace/adverse media exposure.

Disability insurance policies customized for physicians and surgeons.

You can secure your earnings, and that of your professional practice, through a combination of traditional and special market policies.

Customized asset protection plans for non-US citizens and residents.

You will receive expert assistance in preserving personal and business assets for wealth transfer, business continuation, legacy planning, and charitable giving.

For professionals with venture-capital, private equity, merger
and acquisition, and corporate law firms, and family offices:

Insurance policies customized for corporate directors, officers, and executives.

You can indemnify your corporation against potential losses due to death, disability, legal and fiduciary misconduct, and public disgrace/adverse media exposure.

Customized asset protection plans for non-US citizens and residents.

You will receive expert assistance in preserving personal and business assets for wealth transfer, business continuation, legacy planning, and charitable giving.

Group insurance and voluntary benefits for small, medium and large businesses.

You can purchase all the policies you need for owners, executives and employees.

One-stop insurance shopping, on a global basis, to secure the assets and investments of your firm, and the firms of your portfolio clients.

You can purchase virtually all the insurance policies needed to cover directors, officers, executives, key personnel, plants, equipment, and all liabilities. Coverages are available for foreign corporations and executives, as well as those based in the US.

Concierge insurance brokerage and consulting services for estate and business planning.

You will receive high-end, personalized expert assistance in meeting all your insurance needs related to estate preservation, estate equalization, business planning, legacy planning, and charitable giving.

For accounting firms:

Complete insurance services for CPA firms of all sizes.

Both your staff and your clients can receive top-of-the-line insurance consulting and brokerage services from an industry leader.

A virtual insurance department for agencies and firms with clients who need life, disability, long-term care insurance, and fixed annuities.

You can provide additional financial products to your clients, and generate significant passive commission and override income, without increasing overhead or deviating from your core product or service.

For life insurance applicants with a history of serious illness,
or adventurous hobbies such as mountain climbing
or scuba diving, or financial/legal issues:

Life insurance for men and women who represent a higher underwriting risk due to health, lifestyle, personal record, or other factors.

You can purchase a competitively-priced policy through a highly specialized “impaired risk” brokerage and consulting team.

For insurance brokers, consultants, and advisers:

Concierge brokerage services for brokers selling Medicare Advantage and Medicare Supplements.

You can receive complete sales, marketing, training, administration, and compliance support from one of the nation’s top wholesalers.​processing.​

Life insurance for men and women who represent a higher underwriting risk due to health, lifestyle, personal record, or other factors.

You can purchase a competitively-priced policy through a highly specialized “impaired risk” brokerage and consulting team.

Group insurance and voluntary benefits for small, medium and large businesses.

You can purchase all the policies you need for owners, executives and employees.

Concierge brokerage services for brokers selling individual life, disability and long-term care insurance, and fixed annuities.

You can receive superior compensation and back-office support from one of the largest distributors in the country, in terms of premium written: advanced case design; priority case handling; expedited application entry/case status; strong underwriting advocacy; in-house APS ordering and review; top commissions; and fast-track commission processing.​

Direct-to-consumer term life insurance purchasing platform for organizations with online services and products for clients, customers, and members.

Your company or organization can offer members or customers the opportunity to purchase term life insurance when going online to purchase your own products or services.

For Property and casualty agencies, and employee benefit brokerages:

A virtual insurance department for agencies and firms with clients who need life, disability, long-term care insurance, and fixed annuities.

You can provide additional financial products to your clients, and generate significant passive commission and override income, without increasing overhead or deviating from your core product or service.

Life insurance for men and women who represent a higher underwriting risk due to health, lifestyle, personal record, or other factors.

You can purchase a competitively-priced policy through a highly specialized “impaired risk” brokerage and consulting team.

Direct-to-consumer term life insurance purchasing platform for organizations with online services and products for clients, customers, and members.

Your company or organization can offer members or customers the opportunity to purchase term life insurance when going online to purchase your own products or services.

For men and women purchasing insurance and annuities
to protect their family or family business:

Personalized purchasing assistance for individual life, disability, and long-term care insurance, and fixed annuities.

You will receive high-end, personalized sales assistance from a professional financial consultant, with access to virtually every company and product in the brokerage marketplace.​

Life insurance for men and women who represent a higher underwriting risk due to health, lifestyle, personal record, or other factors.

You can purchase a competitively-priced policy through a highly specialized “impaired risk” brokerage and consulting team.

Group insurance and voluntary benefits for small, medium and large businesses.

You can purchase all the policies you need for owners, executives and employees.

Concierge insurance brokerage and consulting services for estate and business planning.

You will receive high-end, personalized expert assistance in meeting all your insurance needs related to estate preservation, estate equalization, business planning, legacy planning, and charitable giving.

For online retail stores, fraternal organizations, and other large
organizations providing a variety of online consumer services:

Direct-to-consumer term life insurance purchasing platform for organizations with online services and products for clients, customers, and members.

Your company or organization can offer members or customers the opportunity to purchase term life insurance when going online to purchase your own products or services.

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