About Us

Debby Kobrin

With an educational background in actuarial science and finance (NYU Stern School of Business), strong computer skills (Bergen Community College), and a love for helping others, it's no wonder that Debby has enthusiastically jumped into building and managing this website. The guiding force behind our noncommercial mission, she thoughtfully pulls together educational articles and material from our experts' files - and presents them to you, our Internet readership.

Debby is NOT licensed to sell life insurance, and she doesn't play a life insurance agent on TV. Therefore, any information that she provides is strictly from a layperson's perspective.

Steven H. Kobrin, LUTCF

Notice the same last name? Steve and Debby have been married for over 20 years! People of a feather flock together, right? So, it's not surprising that Steve has a strong bent toward community service work, as well. :-)

Steve graduated from Ramapo College with a degree in Environmental Studies. While in college, Steve worked on the "ELF project" (Ecological Living Facility), helped organize two Earth Days, and enjoyed a student internship with Talking Wood, an environmental magazine that was short-lived but made a substantial impact.

"Before folding, the magazine managed to identify and publicize the dumping of toxic waste by Ford Motor company in an abandoned mine shaft near a reservoir and secret test drilling for uranium by Shell and other oil companies. The waste site was put on the Superfund list and a law banning uranium mining in New Jersey was enacted."

~ Paul Ryan, Founder and Executive Editor, Talking Wood Magazine

After college, Steve worked for the Youth Environmental Society (Y.E.S.), a nonprofit educational organization which was dedicated to helping college, high school and junior high school students develop leadership skills through environmental action.

As with many nonprofits, money was tight. What was a young man with family responsibilities to do? Motivated to earn a buck, Steve entered the business world, where he served as operations manager for a computer supplies distribution company, servicing the Fortune 100 community.

After seven successful years, Steve heard the "call of the wild," so to speak. He left the safety and security of working for someone else, and he plunged into the exciting world of entrepreneurism. Steve's dad was a life insurance agent, so Steve was familiar with the industry and he jumped into this new career.

Still, Steve's got "community service work" in his DNA and stays involved with community projects. Recently, Steve served as president for his synagogue's men's club - and he now serves as mentor to new presidents. In the larger community, Steve is a CERT volunteer (Community Emergency Response Team) and he founded the Fair Lawn Homeland Security Task Force. Steve is also active in the Fair Lawn Citizen Police Academy.

By the way, Steve does have a fully functioning, commercial website elsewhere, on which he enthusiastically solicits business (when he's not volunteering somewhere!). Want to see the commercial business website for Steven H. Kobrin, LUTCF?

Why run a noncommercial site?

Because we believe in "what comes around, goes around." Don't you? Hey, we can pool our talents (computer and life insurance) to create a high-quality resource for regular consumers that are confused by life insurance issues. And maybe you can return the favor by creating a high-quality website to share your own particular expertise. We consumers can stick together!

What can you learn here?

Insurance professionals can best advise people on insurance issues. So we're not going to give you any stock tips - or advice on buying your next computer or anything else. We're going to stick with what we do best - offering high-quality, unbiased life insurance advice and information.

Therefore, while this is strictly a noncommercial website, our resident experts are life insurance professionals, currently working in the industry with up-to-date experience and knowledge. They are professionally independent and answer to nobody except you, creating the right atmosphere for an unbiased second opinion on whatever question you have.

Educational Purposes Only

We keep repeating this all over the place, but it deserves another mention. This site is for educational purposes, only. Please make yourself at home for as long as you like, to browse our educational articles and our spill-the-beans database of sample quotes (ever wonder what rates other people get?).