4 Corners of Retirement
When it comes to retirement, most people think about saving money — but there’s so much more to it than that. A strong retirement plan covers four key areas, or “corners,” that work together to support your lifestyle, protect your health, and give you peace of mind.
That’s why we created the 4 Corners of Retirement video series. Each short video explains one of these important pieces and how they fit into your bigger retirement picture.
Life Insurance
In this video, you’ll learn about the three most common types of life insurance policies:
Whole Life Insurance – Permanent coverage that can help with funeral costs, final expenses, and income replacement.
Term Life Insurance – Affordable protection for a set period, often ideal for young families or homeowners.
Indexed Universal Life Insurance (IUL) – A flexible, growth-focused policy that combines lifelong protection with retirement savings potential.
Whether you’re nearing retirement or just beginning to plan, this video gives you clear, practical insights into how life insurance fits into your overall strategy.
Long Term Care in Retirement
While many people focus on Medicare, Social Security, and investments, few stop to consider how they’ll handle the very real possibility of needing extended care later in life.
You’ll learn what long-term care really means, from help with daily activities like bathing and dressing to full-time support in assisted living or nursing facilities. This video covers:
The high cost of care – from $25/hour for in-home help to $10,000+ per month for nursing facilities.
What Medicare covers (and doesn’t) – and why most people are surprised at the limits.
How to pay for care – out-of-pocket, through Medicaid, or with long-term care insurance.
Why planning ahead matters – with 70% of people over 65 expected to need some level of care.
You’ll also learn how long-term care insurance works, the flexibility it offers, and the peace of mind that comes from having more control over your future.
Safe Money Strategies for Lasting Income
One of the top concerns for retirees is simple: running out of money. Retirement isn’t just about saving — it’s about protecting what you’ve worked so hard to build and ensuring it lasts as long as you do.
In this video, you’ll discover:
The 7 major risks in retirement – inflation, deflation, long-term care costs, taxes, market volatility, sequence of returns, and longevity.
Why traditional investments may not be enough – and how downturns during retirement can dramatically shorten the life of your portfolio.
Safe money strategies – including fixed and indexed annuities that provide market protection, guaranteed income, and even potential help with long-term care expenses.
How to define your retirement goals – from daily living expenses to travel, hobbies, and leaving a legacy.
The message is clear: your working years were about accumulation, but retirement is about preservation and peace of mind. With the right plan, you can protect your assets, create lifetime income, and enjoy retirement without the stress of financial uncertainty.
Building a Strong Retirement Foundation
When all four corners — health care, income, investments, and legacy planning — are in place, you’ll have a complete retirement plan designed to protect your lifestyle and your loved ones.
This series is designed to help you see the bigger picture and start asking the right questions:
Do you have enough protection in place?
Have you accounted for health care and long-term care costs?
Is your money safe, growing, and guaranteed to last?
Will your legacy be preserved for your family?
The good news is, you don’t have to figure this out alone.
👉 Ready to take the next step? Schedule a conversation with us today and let’s put all four corners in place so you can retire with confidence, security, and peace of mind.
Steven Rukhman
SRB Insurance Services // [email protected]
I am a local, licensed and trained independent insurance agent. I am certified with many top Medicare Advantage, Prescription Drug and Medicare Supplement insurance plan carriers. I represent most major companies with a Medicare contract and am qualified to answer any questions you may have.
