Thank you for your interest.
Disability insurance helps replace income lost because of an accident or illness. One survey found that 43% of people aged 40 will suffer a disability of at least 90 days before they reach age 65.1
After completing the form, please click on the "Submit" button. Your information will be emailed to our offices and we will process your request. All information will be kept confidential.
1. 2000 Field Guide, National Underwriter
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         3635 Genesee Street, Suite 200 
      
        
          Buffalo,
          NY
          
            14225-3545
          
         
      
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| Phone: 716-633-1808 |  | Fax: 716-633-1834 | 
| www.desmonkohnstamm.com |  | christine@desmonkohnstamm.com don@desmonkohnstamm.com | 
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 Securities offered through Cetera Advisor Networks LLC, member FINRA, SIPC. Cetera is under separate ownership from any other named entity. Securities offered through Cetera Wealth Services, LLC, (doing insurance buisness in CA as CFGAN Insurance Agency: CA Insurance License #0644976), Member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisers LLC, a registered investment adviser. Desmon & Kohnstamm is not affiliated with Cetera Wealth Services, LLC. CA License #0C14008. Neither Cetera Wealth Services, LLC nor its representatives offer tax or legal advice. Please consult your tax advisor or attorney for guidance. Individuals affiliated with this broker/dealer firm are either Registered Representatives who offer only brokerage services and receive transaction- based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services. [ Online Privacy Policy | Important Disclosures and Form CRS | Business Continuity | Privacy Promise | Order Routing Disclosure | www.ceteraadvisornetworks.com ]  |