Our Consultants & Advisors

Steve Kobrin

Founder and President, the Firm of Steven H. Kobrin, LUTCF.

  • Independent insurance brokerage was formed in 1998.
  • Based in New Jersey. Through wholesale affiliations, we can service clients in all 50 states.
  • Capability of handling virtually all types of life insurance underwriting risks.
  • Pioneer in Prequalification, to assure an approval at the rate quoted.
  • The firm provides a level of service worthy of the Fortune 100 corporate community: high-end, personalized, professional, integrity-based.

Darren Hardersen

Hardersen Group

Darren Hardersen serves as The Firm’s insurance planning consultant. Darren is uniquely qualified in the complex areas of advanced wealth preservation strategies for financially mature individual(s) and families. These strategies are accomplished through various financial tools that include life insurance, fixed investments, long term care, and disability insurance.

In addition, Darren provides in-house impaired risk underwriting expertise, key general agency partnership, and large case design solutions. Darren’s long-standing strategic alliances with other specialized professionals, the most highly rated insurance companies, and financial institutions, accomplishes the primary objective of offering stellar service with a broad range of premium quality financial services to this very specialized and often difficult to navigate the industry.

Darren is a graduate of Drake University and began his successful insurance and financial services career in 1990, with The Prudential Insurance Company of America in their Underwriting Management Development Program.

Ben Basile

Crump Life Insurance Services

Ben Basile has served as a Regional Director for Crump Life Insurance Services since 2005. In this role, he focuses on assisting financial professionals to navigate the complex world of insurance to ensure they are delivering the most appropriate products based on the goals and objectives of the client. He also helps design and implement estate planning, supplemental retirement, and business insurance cases and helps to manage them through the underwriting process. 

Prior to joining Crump, Ben worked as a Regional Sales Manager for a national investment bank and financial services institution located in New York City, where he was responsible for the training and sales of all insurance products in 60 branch locations. Additionally, he had responsibility for closing all estate planning and wealth transfer cases within his territory. He also spent time working as a Registered Financial Advisor for a Fortune 500 financial services firm, building, and managing a book of over 500 clients. He has Series 7, 63, and 65 life and health licenses. 

Ben resides in Long Beach, New York with his wife and daughter.

About Crump Life Insurance Services Crump Life Insurance Services: a leading third-party distributor and service provider of insurance and retirement products, is part of BB&T Insurance Holdings, Inc., the sixth-largest insurance broker in the world.* Crump supports the distribution of traditional and variable life, annuity, long term care, disability, and health products with the industry’s premier sales and back-office support and technology services, marketing under the following brands: BB&T Life Insurance Services, InsureNOW, RiskRighter, Tellus and TIME.

* Source: Business Insurance Magazine, using 2018 brokerage revenue generated, 2019 issue

The Firm of Steven H. Kobrin, LUTCF is partnering with Ethos to help protect the people you love.

Our founders, Peter Colis and Lingke Wang, met at Stanford Business School and started Ethos in 2016 with the goal of making life insurance affordable, accessible, and straightforward. While Lingke was in college, he was upsold on an expensive life insurance policy he didn’t need and couldn’t afford. Eventually, he realized he wasn’t alone. Many Americans don’t know much about life insurance or have the right coverage to protect their families.

Traditionally, life insurance has been confusing, expensive, and time-consuming. Lingke and Peter wanted to change that—so they set out to help people protect their families with simple, affordable life insurance. Ethos provides an affordable life insurance option so people don’t get stuck with policies they don’t need.