Do I Really Need This Insurance?

Retirement Planning Happy Hour

Retirement Planning Happy Hour
Do I Really Need This Insurance?
Apr 29, 2026
Eric Douglas, Chris Vaughn

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In this episode of the Retirement Planning Happy Hour, we break down one of the most common questions we hear: “Do I really need this insurance?”

From term life vs. permanent life insurance to disability coverage and long-term care planning, we cut through the sales tactics and focus on what truly matters—risk mitigation and smart financial planning.

We discuss:

• Why employer-provided life insurance isn’t enough
• The real purpose of term life insurance (and why it’s so cheap when you’re young)
• Why permanent life insurance is often oversold
• The overlooked importance of disability insurance
• The truth about nursing homes, assisted living, and long-term care coverage
• How to build an insurance strategy that fits into your overall financial plan

Insurance shouldn’t be sold with fear. It should be built into a comprehensive plan that protects your income, your family, and your future.
If your financial strategy doesn’t account for risk, it’s incomplete.

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