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!
Do I need life insurance in retirement? Most of us carry some type of life insurance during our working years to replace the catastrophic loss of income to our surviving dependents if we prematurely pass away. But what if the kids are grown, the debt is paid, and our surviving spouse has plenty of assets and income to financially survive the passing of a loved one?
I want to discuss what is called an “evergreen” topic with Jay Stubbs on our show – Long Term Care. I’ve been getting a lot of questions about long-term care recently, and as Jay is considered an expert in this field, I wanted to spend 15 to 20 minutes with Jay discussing everything a person should know about long-term care insurance and how to financially navigate an extended health care event. Let’s start with this because many listeners have probably never had this type of protection explained in detail to them – Jay, how do you define long term care insurance?
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.
Josh Null and Jay Stubbs delve into a step-by-step guide on how financial advisors can introduce risk management to their clients. They discuss practical strategies for advisors to engage clients and propose risk management solutions, highlighting the importance of timing, regular policy reviews, and support after the sale.