How do I get started?

Your first step is to contact us and request a prequalified quote. We'll perform a thorough prequalification on your behalf, to see precisely what rate and face amount you can receive.

IMPORTANT NOTE: If you intend to replace a current policy, do NOT terminate it until your formal application has been approved for the new policy and you have formally accepted it.

What is prequalification?

Very simply, a prequalified quote is not a guess or an estimate. It is an accurate quote based upon your risk profile - without the need for submitting a formal application.

How long does it take?

The prequalification phase typically takes 1 to 3 weeks, and we walk you through it step by step.

Who keeps track of all the paper work?

We do.

It's our job to monitor your prequalification from start to finish. Whenever additional medical or financial questionnaires are required, we'll send them to you with clear instructions on completing them and returning them to our office.

We keep you updated on your progress. And our office is always open to your questions and concerns. Please feel free to use our toll-free line at any time of day or night. Messages left during non-business hours are always answered on a timely basis.

What happens after prequalification?

After you review your prequalified quote, you will decide whether or not to make the purchase.

If you wish to purchase the policy, then your next step is to submit a formal application.

Steven Kobrin, LUTCF
6-05 Saddle River Rd #103
Fair Lawn, NJ 07410
(866) 633-1818 Phone
(201) 796-8244 Fax

Steven Kobrin, LUTCF, is life insurance licensed in DC and 48 states. Residents of Hawaii and Alaska should NOT request a life insurance quote. Use of this web site indicates understanding of these statements.

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by Steven Kobrin, LUTCF. All rights reserved.

Life Insurance Guide

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.

Kathleen Davis