Insurance is a Key Component of Planning

Protecting Yourself and Your Loved Ones

An important part of planning for retirement is making sure you have the correct insurance coverages in place.  Insurance can help protect the assets you have and those you will rely on for income during your retirement.   Typical scenarios for insurance can include:

  • Personal Life Insurance

    • Care for loved ones

    • Pay estate taxes

    • Create an immediate estate

    • Provide tax-free income in retirement*

    • Fund charitable giving

  • Business-protection strategies

    • Help ensure business continuity in the event of the untimely passing of a partner

    • Shield you and/or your business partners from unanticipated obligations

    • Avoid putting your family in an untenable situation with one of your largest assets

    • Provide tax-advantaged benefits for business owners and key employees

    • Protect the business against the loss of a key employee

  • Disability insurance

    • Minimize the impact a debilitating injury or illness might have on your financial security

    • Replace lost productivity due to the loss of a key person

    • Provide capital to buy out a disabled partner

  • Long-term care insurance

    • Pay for nursing home, in-home care and/or adult day care

    • Can provide tax free cash payments to pay for long-term care expenses as well as cover some of the costs for critical care or terminal expense.  Click here to see Jessica’s story.

*Some insurance products allow you to defer current investment income and provide tax-free income in retirement.

At Norman J. Politziner, CFP® & NJP Associates, in Highland Park, we offer advice and access to insurance products that can help provide you with the coverage you need to protect your family and support your retirement plan.




Norman Politziner is an  Investment Advisor Representative (IAR) of Kingsview Asset Management. He is also insurance licensed in the following states. Investment advisory services are offered through Kingsview Asset Management, LLC ("KAM") an investment advisor registered with the Securities and Exchange Commission.  The opinions expressed by Norm Politziner are his and my not necessarily reflect those of KAM.  NJP Associates may offer clients other financial services/products other than advisory services offered by KAM.  Investing in securities involve risk and are not suitable for all investors.

For individual tax or legal advice, please consult your appropriate professional advisor.

Contact Details

NJP Associates
47 Raritan Ave
Highland Park, NJ 08904

Phone: 732-296-9355
Fax: 732-296-9377
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

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