Episode 68: Health Insurance with Jay Stubbs
Josh is joined by Jay Stubbs to cover everything health insurance related and Cigna's group solutions on this week's episode of Coasting in Retirement!

Josh is joined by Jay Stubbs to cover everything health insurance related and Cigna's group solutions on this week's episode of Coasting in Retirement!
On this week's episode, Jay and I are going to break down the science behind how life insurance, disability income and long term care insurance work, the differences between individual and group coverages, and probably most importantly, the steps you need to take to get these different types of coverages, if you are interested.
In this episode, Josh Null and Jay Stubbbs share personal anecdotes and case studies to explore the potential impact of accidents and long-term disabilities on one's ability to work and earn an income. Josh and Jay highlight the significance of protecting income through proper insurance planning, especially for young professionals and those in high-paying, demanding jobs.
The guys discuss how to do a personal financial assessment, diving into items like taxes, income, qualified retirement plan contributions, risk management and whether it’s time to take chips off the table or not.
In the episode, Josh and Jay discuss a topic that is vitality important to the risk management portion of a client’s financial plan: disability income protection.
In the episode, Josh and Jay discuss Estate Planning and how it applies to a broader range of people than typically assumed. This episode discusses how anyone with assets technically has an estate, irrespective of age or asset value.