In this episode of Zephyr's Adjusted for Risk Podcast, host Ryan Nauman and guest Howard Sharfman, Senior Managing Director at NFP Insurance Solutions, delve deep into the role of insurance within holistic financial planning.

Ryan and Howard discuss the growing importance of comprehensive financial strategies that integrate life insurance, disability insurance, and long-term care coverage. The conversation also touches on the tax implications of life insurance, innovative insurance products like private placement life insurance, and how guaranteed income solutions like annuities can enhance retirement planning. Tune in to learn how insurance can be a crucial tool for financial security and wealth management.

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00:00 Introduction and Welcome
01:07 Guest Introduction: Howard Sharfman
02:22 The Importance of Insurance in Financial Planning
03:08 Types of Insurance and Their Roles
06:17 Taxation of Life Insurance
09:48 Private Placement Life Insurance
13:40 Benefits of Life Insurance in Financial Planning
21:32 Annuities and Retirement Planning
24:54 Best Practices for Financial Advisors
30:02 Research Findings on High Net Worth Individuals
34:12 Conclusion and Contact Information