Insurance Planning
Clearwater and Tampa Bay Florida

Insurance is a big part of retirement planning. Whether it is to protect your health, your life, or your assets, insurance tools may be needed.

Effective retirement plans MUST consider Health insurance, Medicare, Long-term Care, Nursing Home, Home Health Care, Chronic Illness care.

Health care costs rise faster than most other costs of living and we take that seriously. Dolphin Financial Group includes an insurance agency - Dolphin Insurance Inc., with expertise in insurance solutions to fit your need.

Insurance Strategies

QUESTIONS AND PROBLEMS WE SOLVE:

How much will healthcare cost in retirement?

We know that healthcare costs are a big part of retirement and we know those costs are rising. When we build our retirement plans, we incorporate healthcare planning. While we can't know what health care situations will arise in the future, we certainly can make sure plans are in place to cover those expenses.

Which health insurance or Medicare plan is right for me?

We have licensed insurance agents with experience helping people choose health insurance from the many local insurance companies. This includes Medicare Advantage HMO/PPOs, Medicare Supplements, and Federal Marketplace insurance, and Major Medical plans for those not on Medicare yet.

How will I pay for long-term care?

As people are living longer, the potential to need some form of long-term care assistance (home health care, assisted living, nursing home) has gone up. It is critical to understand the potential need for care, the costs of care, and the ways to pay for such care. We help people understand how to protect against the financial strain Long Term Care can put upon a retirement plan and include the use of all tools, including "hybrid" insurance options outside of traditional long-term care insurance.

Do I really need life insurance in retirement?

Life insurance is usually associated with younger, working families. However, life insurance can play a big role during retirement, particularly for objectives such as income replacement after the death of a spouse, to pay off debts carried into retirement, or to create a legacy for the next generation. Part of our retirement planning process includes reviewing existing life insurance policies and making sure they are purposeful and financially suitable during retirement.

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