{"id":11799,"date":"2021-10-27T09:38:52","date_gmt":"2021-10-27T14:38:52","guid":{"rendered":"https:\/\/johnsonwim.com\/?p=11799"},"modified":"2021-10-27T09:38:53","modified_gmt":"2021-10-27T14:38:53","slug":"dos-and-donts-of-insurance-planning","status":"publish","type":"post","link":"https:\/\/johnsonwim.com\/dos-and-donts-of-insurance-planning","title":{"rendered":"Do\u2019s and Don&#8217;ts of Insurance Planning"},"content":{"rendered":"\n<p><strong>Financial planning is the process of meeting your life goals through the proper management of your finances. It includes elements of protection, wealth creation, planning for contingencies and emergencies, as well as planning for specific milestones in life. Effective insurance planning not only provides peace of mind to you and your loved ones but can be an essential part of a sound financial plan. <\/strong><\/p>\n\n\n\n<p>As you get older and move through life, you can appreciate the many benefits a sound insurance strategy can offer. Here, Johnson Wealth and Income Management take a look at three key insurance plans to pay attention to as you near retirement. And the do&#8217;s and don&#8217;t around those plans&#8230;<\/p>\n\n\n\n<p><strong>Life Insurance<\/strong><\/p>\n\n\n\n<p>How much life insurance do I need? Planning to meet the financial needs of your survivors is one of the most important and fundamental steps in creating a sound financial plan for you and your family.&nbsp;Life Insurance provides for your family if an accident were to happen. It is super important to have coverage if you have dependents and want to provide for a minimum standard of living in your absence. <\/p>\n\n\n\n<ul><li><strong>Don\u2019t:<\/strong> Ignore the importance of having a plan. Some people make the mistake of thinking of life insurance as an investment, which is a problem. Life insurance policies with investment components are riddled with high commissions and hidden costs. For most people, life insurance has one purpose \u2014 to replace an economic loss. Once they\u2019re clear about the purpose, buying the right kind of life insurance becomes much easier.<\/li><\/ul>\n\n\n\n<ul><li><strong>Do: <\/strong>Update your beneficiaries. You don\u2019t want to disinherit your children and give your life insurance benefits to an ex-spouse when you pass away \u2014 but does your policy reflect that? Your beneficiary designations can gain leeway of the instructions laid out in your will. This can create complex tax consequences. It\u2019s always important to review your beneficiaries after significant life events like marriage, divorce, new job or the birth of a child.<\/li><\/ul>\n\n\n\n<p><strong>Disability Insurance<\/strong><\/p>\n\n\n\n<p>One of your greatest assets is your ability to earn income\u2014and losing that ability would cause a huge financial difficulty for most families. Yet most people do not insure against this risk\u2014only <a href=\"http:\/\/www.disabilitycanhappen.org\/chances_disability\/disability_stats.asp\">31% of workers <\/a>in the private sector have private long-term disability insurance. Social Security or Workers\u2019 Compensation may or may not cover your full income needs if you were to become disabled.<\/p>\n\n\n\n<ul><li><strong>Don\u2019t: <\/strong>Oversee self-insuring through savings for shorter-term needs. Most advisors recommend setting a goal to have 3 months of your core expenses in easily accessible accounts. 1 month of \u201cbuffer\u201d in your checking and 2 months of emergency savings in the savings account.<\/li><\/ul>\n\n\n\n<ul><li><strong>Do: <\/strong>Consider buying catastrophic disability insurance during your working years, and shift to Long-Term Care insurance after your working years. You are much more likely to become disabled compared to dying prematurely. <a href=\"https:\/\/www.ssa.gov\/oact\/NOTES\/ran6\/an2017-6.pdf\">Just over 1 in 4 <\/a>of today&#8217;s 20 year-olds will become disabled before they retire. Supplemental disability insurance through your employer may be a good option because it\u2019s convenient after you leave your job.<\/li><\/ul>\n\n\n\n<p><strong>Long-Term Care Insurance<\/strong><\/p>\n\n\n\n<p>What are my long-term care insurance needs? There are basically three ways to fund your long-term care needs: self-insure, qualify for Medicaid or obtain long-term care insurance.&nbsp;As the American lifespan increases, retirement funds now need to last longer than ever, and may need to cover increased medical costs. A healthy 65-year-old couple retiring in 2019 could expect to spend more than $387,000 for <a href=\"https:\/\/www.annuity.org\/retirement\/health-care-costs\/\">retirement health care costs,<\/a> not including long-term care. Long-term care insurance is intended to offset expenses like in-home care, assisted living, adult daycare, hospice, and other specialty facilities that aren&#8217;t covered by health insurance or Medicare.<\/p>\n\n\n\n<ul><li><strong>Don\u2019t: <\/strong>Pay Long-Term Care insurance premiums monthly or quarterly\u2014pay a lump sum just once a year. With age, billpay ability will decrease. If the policyholder is not regularly opening the mail or forgets to write checks, the policy could lapse. When a Long-Term Care policy lapses, you may not be able to reinstate it except in the case of mental impairment, and the easier you make your financial life in old age, the better.<\/li><\/ul>\n\n\n\n<ul><li><strong>Do:<\/strong> Take advantage of third-party notifications. You can name a third party to be notified when the LTC policy premium is due.&nbsp; The third-party can be a family member, friend or insurance agent who is not responsible for paying the premium, but he or she can help remind the policyholder to do so.<\/li><\/ul>\n\n\n\n<p><strong>How <\/strong><strong>Johnson Wealth and Income Can Help<\/strong><\/p>\n\n\n\n<p>Insurance transfers the financial risk of life\u2019s events to an insurance company. A sound insurance strategy can help protect your family from the financial consequences of those events. <\/p>\n\n\n\n<p>Navigating your  insurance options is one of the most daunting aspects of retirement. But ignoring this costly issue could prove extremely damaging to your finances and quality of life. At Johnson Wealth and Income Management, our team of financial professionals work together to further our clients\u2019 long-term financial goals.&nbsp;<br><\/p>\n\n\n\n<p>For more information on our Insurance planning options, <a href=\"https:\/\/johnsonwim.com\/contact\">contact us today.<\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p>All written content on this site is for informational purposes only. Opinions expressed herein are solely those of Johnson Wealth &amp; Income Management and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. Investing involves risk. There is always the potential of losing money when you invest in securities. Asset allocation, diversification and rebalancing do not ensure a profit or help protect against loss in declining markets. All information and ideas should be discussed in detail with your individual advisor prior to implementation. The presence of this website, and the material contained within, shall in no way be construed or interpreted as a solicitation or recommendation for the purchase or sale of any security or investment strategy. In addition, the presence of this website should not be interpreted as a solicitation for Investment Advisory Services to any residents of states where otherwise legally permitted to conduct business. Fee-based financial planning and Investment Advisory Services are offered by Sound Income Strategies, LLC, an SEC Registered Investment Advisory firm. Johnson Wealth &amp; Income Management and Sound Income Strategies LLC are not associated entities. Johnson Wealth &amp; Income Management is a franchisee of the Retirement Income Store. The Retirement Income Store and Sound Income Strategies LLC are associated entities. \u00a9 2021 Sound Income Strategies<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Financial planning is the process of meeting your life goals through the proper management of your finances. It includes elements of protection, wealth creation, planning for contingencies and emergencies, as well as planning for specific milestones in life. Effective insurance planning not only provides peace of mind to you and your loved ones but can [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":11801,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[37],"tags":[132,50,131,130,133,29,30,45],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Do\u2019s and Don&#039;ts of Insurance Planning<\/title>\n<meta name=\"description\" content=\"Financial planning is the process of meeting your life goals through the proper management of your finances. 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