Substance Abuse

Substance abuse is tough to admit. Our clients appreciate the sensitivity and compassion with which their history of substance abuse is treated.

Thank you very, very much for all your help and information. You're the answer to a prayer, and I'm sure you've heard that before from 'hard-to-insure' people like me.

Depression and substance abuse are both conditions that carry a stigma and therefore are very shame-based. And you completely lift that away.

I'll refer everyone I know with similar histories to your agency, and I hope we can do business in the future.



Substance abuse & life insurance

You turned a corner on your substance abuse. Now, there are life insurance companies that want to reward your hard work.

To explore your options, please complete our short life insurance quote form or send Steve an email. Or feel free to call toll-free, at (866) 633-1818.

With your consent, Steve will begin the prequalification process and advocate on your behalf with the underwriters.

See how you can save money and qualify for more coverage - even with a history of substance abuse.

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.

Copyright ©
by Steven Kobrin, LUTCF. All rights reserved.

Client Profiles...

Gary has been Hep C
positive for 20 years.

Charles has elevated Liver Enzymes and triglycerides too.

L.B. has a rare liver disease, in addition to Crohns Disease.

Todd's Ulcerative Colitis was treated through surgery.

Ben learned that Diabetic Adults can pay surprisingly low premiums.

Sue found affordable coverage for her son, one of millions of Diabetic Children in the USA.

Don was given a Diabetes Diagnosis only very recently.

James has Insulin-dependent Diabetes.

Shelley found a better policy, even with Scleroderma.

Donna's young son has an Epileptic Seizure disorder.

Barbara is recovering from Substance Abuse and depression.

Richard is an Alpine Climber, who was frustrated by sky rocketing rates.

Bob is a Rock Climber, who plays as hard as he works.

Scott is an Extreme Sports enthusiast, and a small business owner.

Richard wanted an underwriter to understand, he mostly does occasional Bouldering.

Philip loves Foreign Travel and needed extra care in underwriting.

Jimmy had a legal deadline, typical of Divorce Settlements.