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

Mount Sinai Hospital
New York, New York 


"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."

Jeffrey Kierstein, DPM

Podiatric Surgeon

South Windsor, CT

Client since 2004, Disabled since 2012


“Seth Kalkstein is a valuable and rare resource in the insurance industry.  He is kind, smart and thoroughly knowledgeable in all issues I’ve raised over the many years I have used his deeply appreciated services!  Thank you again and again, Seth !”

Jonathan Kramer, MD

Interventional Neuro Radiologist

Pittsfield, MA

Client since 1994, Disabled since 1999


“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.”

Jeffrey Goldstein, MD


Port Jefferson, NY

Client since 1989


"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."

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


" I have used Seth Kalkstein as my insurance representative for the past 13 years.  I have valued the expert advice he has given me and feel comfortable that he is always guiding me appropriately.  Over this time, I have gotten to know Seth not only as one of my trusted advisors, but as a friend.  I would highly recommend Seth to anyone looking for guidance on insurance products or advice.”

Seth Brown, MD
West Hartford, Connecticut
NML Client for more than 13 years


"Seth has helped us with our insurance needs – Disability & Life Insurance since we were engaged to be married.  His advice was and is sound through several market corrections.  I am happy to count him among my friends now, He is a great guy.”

Robin Bliss, MD
Smithtown, New York

Client since 1989



The testimonials presented may not be representative of the experience of all clients and are not a guarantee of future performance or success.

Physician’s Insurance Solutions

Seth J Kalkstein
Disability Income Specialist

Physician's Insurance Solutions


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