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Ramit Saha is an Agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of DE, MD, NJ, PA. No insurance business may be conducted outside the states referenced. 

Ramit Saha is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, A Licensed Insurance Agency & New York Life Company . In this regard, this communication is strictly intended for individuals residing in the states of DE, PA. No offers may be made or accepted from any resident outside the specific state referenced.

Neither New York Life Insurance Company nor its agents or affiliates provide tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.