Are You Ready for the Storm? Closing Insurance Gaps Before They Sink Your Retirement
Hurricane season is a fact of life in Florida. We track the forecasts, stock up on supplies, and make sure our homes are protected.
But here’s a question: When was the last time you checked your financial storm preparedness?
Because just like a hurricane can take a sudden turn, life can throw unexpected challenges your way — and the wrong insurance gaps can hit your retirement harder than you expect.
Common “Storm” Risks in Retirement
Health Insurance Gaps
Medicare doesn’t cover everything (think dental, vision, and long-term care).
Out-of-pocket costs can pile up fast.
Long-Term Care Needs
7 out of 10 people will need some form of long-term care.
Without coverage, those costs can drain savings quickly.
Life Insurance Oversights
Policies that haven’t been updated since the kids were young may not align with current needs.
In some cases, you may need less coverage — in others, more.
Why This Matters Now
Hurricane season reminds us that preparation is everything. The time to evaluate your insurance coverage is before the storm clouds appear — not after the winds pick up.
What to Do Next:
Review your health and Medicare supplemental coverage.
Evaluate long-term care insurance options (even if you think you’ll “never need it”).
Update or adjust life insurance to match your current stage of life.
Want an easy way to spot your own “storm gaps”?
Download our Retirement Insurance Readiness Checklist — your step-by-step guide to making sure your coverage is ready for anything.
