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Retirement Should Bring Confidence
We can provide clear answers to all your questions
After years of hard work, retirement should be a time to enjoy life, spend time with family, and pursue the things that matter most. But for many retirees and pre-retirees, retirement also brings important questions:
- Will I outlive my money?
- How will I pay for healthcare costs?
- What happens if I need long-term care?
- How can I protect my spouse and family?
- Are there safe options for protecting my retirement savings?
At New England Plan Navigator, help individuals and families understand insurance and retirement income solutions designed to help protect what they’ve worked so hard to build.
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The Three Biggest Concerns We Hear From Retirees
Staying Healthy
Not Outliving Your Money
Not Outliving Your Money
Healthcare expenses are often one of the largest costs retirees face. Even with Medicare, deductibles, copays, prescription costs, and long-term care expenses can create significant financial challenges.
We help clients explore solutions that may help fill coverage gaps and prepare for unexpected healthcare expenses.
Not Outliving Your Money
Not Outliving Your Money
Not Outliving Your Money
Many retirees worry more about running out of money than they do about death itself. Market volatility, inflation, and increasing healthcare costs can place pressure on retirement savings.
Insurance-based retirement income solutions can help provide stability and predictability throughout retirement.
Maintaining Independence
Not Outliving Your Money
Maintaining Independence
Most people want the ability to remain in their own home and maintain control over their lives as they age.
Planning ahead for long-term care needs can help protect both your independence and your retirement assets.
Fixed Annuities
Fixed annuities can provide guaranteed growth and predictable income while protecting your principal from market downturns.
Benefits may include:
- Guaranteed interest rates
- Tax-deferred growth
- Protection from stock market losses
- Lifetime income options
- Principal protection
Fixed annuities can be an effective way to supplement Social Security and other retirement income sources while helping reduce uncertainty.
Long-Term Care Planning
The cost of long-term care continues to rise, and many retirees are surprised to learn that Medicare generally does not cover extended custodial care.
Planning ahead can help protect your retirement savings from:
- Nursing home expenses
- Assisted living costs
- Home healthcare services
- Memory care facilities
- Extended rehabilitation needs
We offer guidance on traditional long-term care insurance, hybrid policies, and life insurance solutions with long-term care benefits.
Life Insurance
Life insurance can play an important role in retirement planning, even after your working years are over.
Depending on your goals, life insurance may help:
- Protect a surviving spouse
- Cover final expenses
- Leave a financial legacy
- Provide access to living benefits
- Help address long-term care concerns
We can help determine whether existing coverage still meets your needs or if additional protection may be appropriate.
Long-Term Care Riders:
Protection for the Future
One of the most popular planning tools today is a long-term care rider attached to a life insurance policy or annuity.
These solutions allow you to access funds if you need qualifying long-term care services while preserving benefits for your beneficiaries if care is never needed.
Advantages may include:
- Access to funds for home care, assisted living, or nursing care
- Fixed premiums that won’t increase
- Simplified underwriting compared to some standalone LTC policies
- Potential tax advantages
- No “use it or lose it” concerns associated with traditional long-term care insurance
For many retirees, hybrid solutions offer a flexible way to prepare for future care needs while preserving financial options.
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