# We’re Insuring What, Now?

Page: https://stenobird.com/podcast/money-taxes-from-bb-to-xyz-6228444/we-re-insuring-what-now
Text version: https://stenobird.com/podcast/money-taxes-from-bb-to-xyz-6228444/we-re-insuring-what-now.md
Podcast: [Money & Taxes from Bb to XYZ](https://stenobird.com/podcast/money-taxes-from-bb-to-xyz-6228444)
Published: 2026-05-26T10:00:00+00:00
Episode link: https://www.financialplanningfortcollins.com//were-insuring-what-now
Audio file: https://episodes.captivate.fm/episode/c06dbbc5-cccb-4e08-8516-a2b7ebd9afbe.mp3
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JSON: https://stenobird.com/v1/public/podcasts/money-taxes-from-bb-to-xyz-6228444/episodes/we-re-insuring-what-now
Duration seconds: 1206

## Resource

In this episode of Money and Taxes from BB to XYZ , Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, focus on three key types of personal insurance protection: life, disability, and long-term care insurance. They explain how each type of coverage fits into a broader financial plan, when different policies may make sense, and why insurance should be used intentionally. The conversation covers term versus permanent life insurance, income protection through disability insurance, and the growing costs and evolving strategies surrounding long-term care coverage, including hybrid life-and-long-term-care policies. Jason and Regina also emphasize tailoring insurance coverage to your stage of life, financial goals, and family needs, rather than buying coverage simply because it's available. Takeaways Disability insurance, or “income insurance,” is often the first coverage to prioritize among these three because protecting your ability to earn income is critical during your working years. Life insurance should be tied to a specific financial need, such as income replacement, debt payoff, estate liquidity, or legacy planning, rather than purchased without a clear purpose. Long-term care planning may involve a combination of insurance, personal assets, and home equity. Hybrid life-and-long-term-care policies can provide flexibility if long-term care is never needed. Have a tax question for the show? Email podcast@fpfoco.com, and Jason or Regina might answer it in a future episode! New episodes drop every other Thursday, and they’re always ad-free with no subscription required. Learn more about FPFoCo at fpfoco.com and connect with us on social media @fpfoco. Disclosures Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investm…

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## Transcript

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