ABOUT US
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To many people, insurance is like another language. Let me be your translator!
I sell life insurance, disability income insurance, and long term care insurance to business owners and successful individuals who want a high-quality, thoughtful, professional approach.
I have helped hundreds of business owners and successful individuals protect their lives, their ability to earn an income and their peace of mind in their later years. I understand that buying life insurance, disability income insurance, or long term care insurance is not something you do every day. The process can be confusing and involved! |
And, to top it off, you're busy! It is your job to earn an income and raise your family and enjoy your life. It is my job to protect you by informing you of your planning options, recommend a suitable course of action for your budget and circumstances, and deliver the best possible products for your circumstance. I don’t have “boilerplate” solutions. No two cases are alike. Since everyone’s situation is different, my questions and recommendations are customized to fit your your needs and wants. It’s all about suitability!
Licensure
I am licensed by the state of New Jersey to sell Life and Health products, which includes Life Insurance, Disability Insurance and Long Term Care Insurance. I am additionally licensed to sell these products in New York, Pennsylvania and several other states. I am not licensed to sell variable products like variable universal life insurance, variable annuities or mutual funds. I do not invest people's money.
Carriers
I represent MassMutual, Guardian, Principal, Genworth, Prudential, Transamerica, MetLife, AXA Equitable, ING ReliaStar, John Hancock, CNA, and many other well-rated carriers.
Why the website?
This website is devoted to those who want to learn a bit more about the way I operate, and prefer to gain this information by reading it on the website. It is largely a summary of the day-to-day activities I perform for my clients.
Confidentiality
You be asked to provide a lot of highly personal information in our conversations and in the underwriting process. I treat everything in my practice professionally and in total confidence.
Referrals
My business comes from referrals. I don't advertise. I'm not even listed in the phone book. I am referred to prospective clients by current clients, attorneys, accountants, financial planners and other insurance agents.
Do your friends the biggest favor you can do. Put me in touch with them. Referring your friends and family is a selfless gesture that shows how much you care about their well-being.
One suggestion: have me call them . People often take my card, intending to call me, but don’t. It’s human nature: insurance is too often deferred for too long. When I call, we simply arrange a time that’s mutually convenient to talk further or meet. Be assured that I never “hound” anyone. If someone is not interested at the time, that’s fine. Also assure them that, other than to acknowledge to you that I did (or did not) reach them, I never disclose their personal situation to anyone other than with professional underwriters and staff in the course of conducting field underwriting.
Why should Dave Saltzman be my agent?
Your best ally when buying insurance is an experienced, knowledgeable professional who listens carefully to you. A major part of my job is to ask the questions that direct the best decisions for you. I take a great interest in the affairs of my clients, and by staying in touch, plan to build a relationship with you. There is much misinformation about insurance, and you may be laboring under misconceptions that cause you to limit your own choices. I may suggest that insurance is not appropriate for your purposes, and have done so many times. It’s all about suitability.
If you own a business, I’ll also ask you all about the business, its profitability, its debts, your goals for the business, how your business is owned (i.e., partners), your “exit plan”, any succession plans, how (if!) your business could function without you, and for how long. I’ll ask you what would happen to your business if you became disabled, and what would happen if one of your key employees were to die or become disabled. And I’ll be pleased to discuss these ideas with your accountant, attorney or other advisor after we meet.
Why should I spend 45 minutes talking with you?
I’m privileged to have the trust and confidence of many hundreds of clients who rely on my experience and advice in the products I sell. Many clients have said that they found our meeting to be invaluable in assessing their financial security.
An important part of our meeting is a review of your existing coverage. We read your existing insurance policies. Many of my new clients say that this is the first time they’ve ever read the policies filed away in their desk drawer! We determine whether your current policies still do what you intended. We evaluate the adequacy of the protection you have versus what we determine you want or need. I ensure that you are as well-protected as your budget allows against death, disability and the cost of long term care.
What kind(s) of questions do you get asked as an agent?
Everything imaginable: insurance touches upon finance, health, planning, business, family and love. Since insurance is so personal, some people don’t ask anything because they’re uncomfortable. Even if you don’t ask any questions, you can be sure I will, because it’s in your best interest that I understand and document everything that’s important about you as clearly as I can.
What is the fee?
I never charge a fee. I sell insurance products, and am compensated by the company that sells those products as a sales commissions.
Why do I need an insurance agent?
You will likely have questions about the process. Part of my job is to take you through this process: how it all works, the different steps in the process. I may well have some ideas that will be very beneficial to you. I can coordinate your insurance plans with your attorney, your tax advisor, and investment professionals.
And, you pay the same price for the coverage whether or not you work with someone like me!
Won’t I pay less if I buy from an (800) quote service or an insurance website?
No. Your premium is the same whether you buy with an agent or from another source. Buying without an agent does not save any money, but it can unwittingly cause you to spend more time becoming involved in the application process than had you used an agent. It assumes you are ready to determine adequacy and suitability of coverage. Furthermore, you might not address one of the many situations where my questions will better direct your attention and resources. Buying the wrong kind of coverage not only is inefficient, it is dispiriting. Some people express frustration when I meet them, and are “fed up” with insurance, until we spend some useful time talking.
By the way, I look at the Internet, too. I make sure that I always represent the best products for your needs
at the most competitive rates!