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. Back in 2002 my practice 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. Today, I 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 attached 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,


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

Facebook BadgeVisit 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

We make plans for people, not just money. So no matter your goals, we have access to top rated products and services to help you meet each one.

  • Best Life Insurance Company ranked by NerdWallet, 2019 to 20201
  • AAA, Aaa, and AA+ the highest financial strength ratings of any life insurer from all four major rating agencies2
  • Top 10 U.S. Independent Investment Broker-Dealers3
1©2017-2020 and TM, NerdWallet, Inc. All Rights Reserved.

2Northwestern Mutual continues to have the highest financial strength ratings awarded to any U.S. life insurer by all four of the major rating agencies: A.M. Best Company, A++ (highest), April 2020; Fitch Ratings, AAA (highest), August 2020; Moody’s Investors Service, Aaa (highest), December 2020; S&P Global Ratings, AA+ (second highest), June 2020. Third-party ratings are subject to change. Ratings are for The Northwestern Mutual Life Insurance Company and Northwestern Long Term Care Insurance Company.

3Measured by 2020 total revenues. Ranking for Northwestern Mutual Investment Services, LLC. Sources: Financial Advisor magazine and Investment News, April 2021.

The Importance of Planning for the Cost of Long-Term Care

This is an important planning consideration that we often cover with clients. Read more here.

What Is Earnest Money When Buying a House?

Earnest money can be a key part of the homebuying process. Here’s what you should know. Read more here.

Should You Pay Off Debt or Start Investing? Ask Yourself These Questions

With the right financial strategy, you may be able to do both. Read more here.


To learn more about Northwestern Mutual Investment Services, LLC and its financial representatives, visit: FINRA BrokerCheck

Visit our Client Relationship Summaries (Form CRS) which provide brief information about our firms that provide brokerage services and advisory services.