PLAIN-ENGLISH DISCLAIMER

This web site provides general, not specific, information about insurance related topics. 
Do not construe anything in this website as specific financial, estate planning, tax, or legal advice.

If you require any type of specific legal, tax or accounting advice, please consult an attorney, accountant, or other qualified tax professional.

If you require any specific insurance-related assistance, kindly contact me at (609) 430-9740 or via e-mail at dave@davesaltzmaninsurance.com

I do not sell variable annuities nor variable life insurance. Nothing in my website shall be construed as an offer to buy securities. Securities are regulated by the National Association of Securities Dealers (NASD), and the sale of securities must be preceded by prospectus.

If you have not already purchased and/or applied for life insurance, disability income insurance or long term care insurance using me as your sales agent, you are not as of yet my client.

Nothing in this web site shall be implied or construed as creating an agent/insured or agent/policy owner relationship without completion of the required applications and forms of the carrier(s) providing such coverage as well as a determination of product suitability.

Coverage is subject to the underwriting requirements of the carrier.