Protection
Insurance Planning
Life, disability, long-term care, lower-cost annuity plans, final expense coverages and Medicare-Supps, explained before anything is chosen.
What goes unprotected when the paycheck stops
Insurance questions rarely start with insurance. They start with a worry: what happens to the household if the income stops, or if one of us needs care for a long stretch. Bruno Pouliot begins in Chattanooga by naming what is actually exposed before a single policy type is discussed.
Three exposures come up again and again. Income, when illness or injury keeps a person from working. Long-term care, which is the ongoing help with daily activities that health insurance and Medicare typically do not cover. And final expenses, the burial and medical costs a family should not have to scramble for.
Because Bruno works education first and does not push product, the first session is about the gaps, in the order they would hurt you. You leave knowing what you are exposed to, whether or not you buy anything from anyone.
Heavy oak front door with iron strap hinges and a lit brass lantern at blue hour
Life, disability, long-term care and Medicare supplements, in plain words
Life insurance is a contract in which an insurer pays a named beneficiary a death benefit when the insured dies, and the cost depends on age, health and policy type. Disability income replaces a portion of your income if you cannot work, paying monthly after a waiting period, short term or long term. Long-term care pays for home health care, assisted living or a nursing home once you meet the activities-of-daily-living criteria.
The same review covers lower-cost annuity plans, final expense coverages and Medicare supplements, with the specifics of each explained before any choice is made. Health care in retirement gets its own conversation on Medicare, supplements and what costs may rise, so you can compare options without derailing your goals.
Bruno does not give legal or tax advice. When a coverage question touches a trust, a business entity or a tax result, the attorneys and CPAs on his planning team handle that piece, and you hear it from them.
Matching cover to the retirement plan, then revisiting it
Insurance tools exist to safeguard income streams, so they only make sense next to the rest of your plan. Bruno reviews life, disability, long-term care and annuity options against the retirement income you have mapped, and sometimes the honest answer is that you already carry enough.
Bruno holds the Chartered Retirement Planning Counselor and Certified Kingdom Advisor designations, both earned in 2005, and by his account he has been in the business for 28 years. That history is why he asks about your spouse, your health history and your family before he asks about premiums.
Coverage that fit at one stage can be wrong at the next. Check-ins by phone or Zoom, from Chattanooga or anywhere in the continental USA, are where those changes get caught before a claim does it for you.
Bruno E. Pouliot, CRPC, CKA, reviews coverage with attorneys and CPAs on call and never sells before he teaches. Call (423) 326-5299.
Where coverage fits in the bigger plan
Coverage choices change the numbers in comprehensive retirement planning and the shape of what you leave behind in estate planning, which is why Bruno reviews them together.
Curious how a session actually runs? The financial coaching profile walks through it, or you can start with the 3 Minute Money Plan.