Seth J Kalkstein
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Office: 860-570-7446

29 S Main St Ste 201
West Hartford, CT 06107-2454

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Dividend Announcement

Northwestern Mutual recently announced a dividend payout for 2010 of more than 4.7 billion dollars - the second largest in our company history - for clients who own life, annuity, DI and long-term care policies.

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Consistency Counts Scorecard

As in golf, the low score wins the game. Find out how Northwestern Mutual’s performance ranks relative to the competition. In times like these, it’s nice to know that Northwestern Mutual isn’t just strong — it’s consistently strong.

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Consistency Counts

Strength on its own can be impressive. When consistency is added, that’s when it becomes real. At Northwestern Mutual, we’ve been able to deliver real strength for over 150 years. Put our strength to work for you.

Strength that works.

Northwestern Mutual receives "best possible ratings"

The four major ratings agencies, Standard & Poor’s, A.M. Best, Moody’s, and Fitch, have each confirmed the company’s insurance financial strength ratings. We take great pride, especially in these economic times, in providing our clients the consistent financial strength that has been our signature for over 150 years.

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Managing Your Money In A Downturn

Northwestern Mutual was recently featured in The New York Times Wealth Matters column, "Never Mind Your 401(k). How’s Your Insurance?" about the importance of managing risk in the current economic environment, and strategies that the wealthy use to manage not only their money but their overall well-being. Northwestern Mutual Executive Vice President Greg Oberland comments about how people should be rethinking and managing their insurance needs in a downturn. Read the article (PDF).

Welcome to my website. Please allow me to introduce myself and Physician's Insurance Solutions.

I am the Disability Income Specialist for the Zuzolo Financial Group 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. Almost 10 years ago my practice evolved to where I now work exclusively with physicians and business owners who are finding it increasingly difficult to understand 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. Today, I use this expertise to identify the best coverage available, whether it is individual or group, overhead expense reimbursement or disability buy/sell funding.

With the assistance of the other team members, I offer help 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.

Working together, our professional relationship will grow as your practice or business continues to evolve.

Please read what some of my existing clients have said about our working relationships.

While facing a life-threatening illness, I learned the value of a trusted and responsive disability income insurance specialist. Seth Kalkstein's professionalism and exacting personal assistance exceeded all my expectations and was a source of comfort for me and my family during these very difficult times.

Jonathan Kramer, MD
Invasive Neuro-Radiologist
Disabled since 1997

I have known Seth since we were introduced back in 1992 when I was working at The National Institute's of Health in Washington, DC. Seth has been a great educator and insurance professional for myself, my family and the partners in my practice now located in New York City.

Robert S. Lebovics, MD, FACS
Head & Neck Surgical Group
New York, New York

I feel very strongly that any organization managing something as important to individuals as their life and disability insurance would benefit greatly from Seth's ability to build strong, lasting relationships.
I have the highest degree of respect for Seth and recommend him without reservation

Evan D. Collins, MD
Head of the Hand & Upper Extremity Section
Department of Orthopedics
Methodist Hospital
Houston, Texas

Seth and his team have done a great job working with and educating our 400+ physicians and administrators affiliated with University Medical Associates at the University of Nebraska Medical Center.

Cory D. Shaw
Executive VP & CAO
University of Nebraska Medical Center
University medical Associates
Omaha, Nebraska

Seth Kalkstein has been our representative for over 14 years. He is absolutely outstanding in terms of service, advice and product knowledge. He has my respect and my friendship and I highly recommend him to all my friends.

Robin Bliss, MD
OB/GYN
Women's Healthcare of Suffolk County
Smithtown, New York

Seth Kalkstein is an extremely thorough Financial Representative. He takes the time to fully explain all aspects of financial products and how they are related to your personal or business needs. He is the consummate insurance professional. The industry needs more like him.

Jeffrey S. Matican, MD
Cardiologist
Englewood, New Jersey
NML Client since 1993

I was introduced to Seth through my wife who was completing her Dermatological Residency back in 1996. Seth has helped her with quality disability income and life insurance products for both of us. In addition, he was able to provide guidance regarding a Group Long Term Disability program for my growing practice. Seth seems to always be available, day or night and we would recommend him to anyone.

Scott Flashner, MD
Emergency Medicine
United Emergency Medical

"Seth has been my family's Financial Representative since I started my practice. He has been thoughtful, thorough and his guidance in disability and life insurance decisions is in my best interest. He is the man."

Leo J. DiStefano, MD
Pediatrician
West Hartford, Connecticut
NML Client for more than 10 years

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

My Mission

As the Disability Income Specialist for The Zuzolo Financial Group, 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.

Northwestern Mutual Financial Network

We provide you with access to a nationwide network of representatives, advisors and specialists—people who have invested their time and developed their talents to become experts and they have the knowledge that comes only from experience.

What’s paramount is to have a flexible approach with complementary solutions. We strive to call on the full capabilities of the Northwestern Mutual Financial Network, providing our clients with financial services that allow them to feel assured that their intentions have been understood and their needs are being addressed.