About Us
About Kandelaki Solutions
Protecting the incomes of high-earning professionals across the Northeast since 2018. Independent, certified, and genuinely on your side.
Meet Your Advisor
Alex Kandelaki
CLU® · ChFC® · CFEI · CFPA — CEO, Kandelaki Solutions & KFG
Alex Kandelaki is the founder and CEO of Kandelaki Solutions, LLC (specialty insurance) and Kandelaki Financial Group (financial advisory), both headquartered in Manalapan, New Jersey. He holds four of the most respected designations in the financial services industry: Chartered Life Underwriter (CLU®), Chartered Financial Consultant (ChFC®), Certified Financial Education Instructor (CFEI), and Certified Financial Planner Associate (CFPA).
Alex has spent his career specializing in disability income protection for medical professionals, legal professionals, and high-earning business owners. He holds licenses in New Jersey, New York, Pennsylvania, New Hampshire, and additional states, and is fluent in four languages — English, Russian, Ukrainian, and Georgian — allowing him to serve a uniquely diverse clientele.
Alex’s approach is simple: listen carefully, compare honestly, and recommend only what protects your income without overcomplicating your financial life. He has personally worked with hundreds of physicians, surgeons, attorneys, dentists, and business owners to put the right coverage in place at the right price.
ChFC® — Chartered Financial Consultant
CFEI — Cert. Financial Education Instructor
CFPA — Cert. Financial Planner Associate
Licensed NJ, NY, PA, NH + more
🇷🇺 Russian
🇺🇦 Ukrainian
🇬🇪 Georgian
Alex Kandelaki
CEO, CLU® ChFC®
Manalapan, NJ
Our Mission
Why We Built disability.insure
— Alex Kandelaki, Founder & CEO
Focus
We specialize in disability income protection only. Not life, not health, not P&C. Deep expertise beats broad mediocrity every time.
Independence
We work with 6+ carriers and have no quota to meet with any of them. We recommend what’s best for you, period.
Transparency
We show you the numbers side by side. You choose. We handle the application and advocate for you through underwriting.
Why Professionals Choose Us
Multi-Carrier Comparison
We shop Guardian, Principal, Ameritas, The Standard, and Ohio National to find the best rate and policy terms for your specialty.
CLU® & ChFC® Certified
The highest designations in life and disability insurance planning. Not just licensed — credentialed and required to uphold a strict code of ethics.
Northeast-Based, Multi-State
Licensed in NJ, NY, PA, NH, and beyond. Local relationships with underwriters and deep knowledge of state-specific nuances.
Multilingual Team
English, Russian, Ukrainian, and Georgian spoken in-house. We serve the immigrant professional community with the same high standard of care.
Fast, Responsive Service
We respond to all inquiries within 1 business hour. You’re not a number — you’re a client we actually know.
No Cost to You
Quotes and consultations are 100% free. We’re compensated by the carriers, which means our advice is genuinely in your interest.
Our Team
Behind every policy is a dedicated team making sure you’re protected and looked after long after you sign.
Alex Kandelaki
CEO & Lead Advisor
CLU® ChFC® CFEI. Leads all client strategy, carrier negotiations, and complex case analysis.
Sam
Junior Advisor
Supports clients through the quoting process and assists with policy comparisons and initial outreach.
Grace
Client Relations
First point of contact for incoming inquiries. Ensures every client gets a response within 1 business hour.
Aleks R.
Operations Support
Handles application processing, carrier coordination, and policy delivery logistics.
Carrier Partners
We Compare the Industry’s Best
Every carrier we work with carries an A-rating or better from A.M. Best — meaning your policy is backed by financially strong institutions.
Guardian
Principal
Ameritas
The Standard
Ohio National
Ready to Protect Your Income?
Let’s talk. A 15-minute consultation with Alex is free, pressure-free, and could save your financial future if disability strikes.
Insurance products offered through Kandelaki Solutions, LLC. Licensed in NJ, NY, PA, NH, and other states. Not available in all states.