Tomorrow marks the official launch of the Income Protection Podcast, a new educational series hosted by Jamie K. Fleischner, CLU, ChFC, LUTCF. Designed for high-earning professionals, the podcast offers clear, detailed guidance on disability insurance, life insurance, and long-term health insurance. As the official podcast of the Income Protection Journal, the series helps listeners understand their coverage options without the pressure of sales calls.

Each episode breaks down how different types of disability insurance function, including individual disability insurance, supplemental disability coverage, and long-term disability plans. Fleischner brings insights from underwriters and experts associated with leading carriers like Guardian, Ameritas, MassMutual, Principal, and The Standard.

Listeners learn how underwriting classifications, own-occupation definitions, elimination periods, residual disability benefits, partial disability provisions, future increase riders, and income replacement ratios influence coverage outcomes.

The podcast also explores the complexities of life insurance, from term life insurance and permanent life insurance to cash value policies used in advanced planning. Fleischner discusses how carriers structure policies and price risk, drawing on examples involving underwriting practices, mortality assumptions, premium structuring, policy loan access, cash value accumulation, and survivor income planning. Listeners gain clarity on the real differences between term, whole life, universal life, and other life insurance designs.

A third focus of the series is long-term health insurance, including long-term care insurance, extended health coverage, and hybrid long-term health policies. Episodes address essential concepts such as inflation protection riders, ADL qualification triggers, home health care benefits, facility-based care, chronic illness riders, care coordination services, and premium waiver provisions. These topics help buyers understand how long-term health coverage protects income, assets, and financial stability when chronic illness disrupts normal earning capacity.

Whether you’re comparing riders, evaluating protection gaps, or trying to understand how different policies support long-term financial planning, the Income Protection Podcast provides straightforward expertise on disability insurance, life insurance, and long-term health insurance. With conversations featuring underwriters, specialists, and real clients, Jamie K. Fleischner offers the clearest roadmap available for professionals who want confidence in their insurance decisions.