Welcome to Physician's Insurance Solutions.

Please allow me to introduce my practice.

My name is Seth Kalkstein, and I am the Disability Income Specialist for Northwestern Mutual located in West Hartford, Connecticut as well as the founding member of Physician's Insurance Solutions.

Physician's Insurance Solutions was created with you in mind. Started in 2002, my practice has evolved to where I now work exclusively with physicians and business owners who are finding it increasingly difficult to understand the options available in the Disability Income marketplace on their own.

Due to the frequent and rapid changes occurring in the market, I became an expert in this field. I now use this expertise to identify the best coverage available, whether it is Individual Income Protection, Group Disability coverage, Business Overhead Expense reimbursement or Disability Buy/Sell funding.

With the assistance of my practice partners, E. Paul Amata, JD and Steven Zirolli, we offer guidance to physicians, medical residents and business owners in making the right decisions so they can prepare for the best and worst scenarios that life can throw at them.

When something bad happens, we will be there to help you put the pieces back together.

Please take a few moments to watch the below video that discusses the assistance we provide our clients in their time of need. Working together, our professional relationship will grow as your practice or business continues to evolve.

I look forward to working with you, your family members and your practice. Please feel free to email or call me anytime you need assistance or if you just want to review your level of coverages. Thank you for taking the time to visit my website, I look forward to hearing from you.

Best regards,

Seth Kalkstein

Client Testimonial

"I have known Seth Kalkstein since we were introduced back in 1992 when I was working at The National Institutes of health in Washington, DC. Seth has been a great educator and insurance professional for myself, my family members and the partners in my practice now located in NYC. I would recommend him to anyone looking for insurance advice."

Robert Lebovics, MD, FACS, Client | Otolaryngologist | New York, New York

Client Testimonial

"If you are risk for a career altering disability, you need Seth Kalkstein to be in your game plan. He is extremely knowledgeable, thorough and always has the best interests of his clients in mind as he develops a Disability plan." (Client Since 2004; Disabled Since 2012)

Jeffrey Kierstein, DPM, Client | Podiatric Surgeon | South Windsor, Connecticut

Client Testimonial

“We have known Seth for years and have become good friends. He is very dependable and has helped us through many life transitions. He has advised us about different insurance products – from Disability, Life and Trusts – that were appropriate at different stages of our lives and he has always steered us right.” (Client Since 1989; Disabled Since 2020)

Jeffrey Goldstein, MD, Client | Anesthesiologist | Port Jefferson, New York

Client Testimonial

"I would highly recommend Seth Kalkstein to any and all who need a caring, knowledgeable insurance professional who takes the initiative to go beyond the routine and works tirelessly for his clients. In fact, Seth was instrumental in shepherding me through my own partial disability claims process." (Client Since 1993; Disabled Since 2019

Jeffrey Matican, MD, Client | Cardiologist | Englewood, New Jersey

Client Testimonial

"I have known Seth for more than fifteen years. Initially as an Agent referred to me but over the years as a friend. He is attentive and knowledgeable and should be your go-to for Disability Insurance"

Seth Brown, MD, Client | Otolaryngologist | West Hartford, Connecticut

Client Testimonial

"My Mother Loves Seth Kalkstein Everyone who works with Seth quickly realizes he is the very rare combination of expertise, honesty, professionalism and kindness. If you have the opportunity to work with him, you are in great hands." (Client Since 1994; Disabled Since 1999)

Jonathan Kramer, MD, Client | Interventional Neuro Radiologist | Pittsfield, Massachusetts

Client Testimonial

"Seth has helped me and my husband with our insurance needs over the past 30 years including Disability, Life and Insurance trust policies. His advice has been sound then and now through health and economic ups and downs. I recommend him highly and without reservation." (Client Since 1992)

Robin Bliss, MD, Client | OB/GYN | Smithtown, New York
The testimonials presented may not be representative of the experience of all clients and are not a guarantee of future performance or success.

My Mission

As the Disability Income Specialist, I provide specialized guidance in the areas of Disability Income protection for my clients and their practices.

My practice is dedicated to helping physicians and small business owner's prepare and protect their financial future. My goal is to work closely with my clients and their other advisors to develop sound solutions that meet their individual & practice needs.

Experience the Power of Permanent Life Insurance

Visit our Facebook page to watch the new Foundation for Life videos and read client stories about the critical role permanent life insurance has played in their life.

The Northwestern Mutual difference

No. 1

Best life insurance company for consumer experience, 2023. (NerdWallet)1

Top 5

We're one of the Top U.S. Independent Investment Broker-Dealers.2

$8.2B

In dividends expected to be paid in 2025.3

A++

AAA, Aaa, and AA+ - we've earned the highest financial strength ratings awarded to life insurers from all four major rating agencies.4

Boost your financial knowledge.