In this episode of Secured Steps, Jeff Llewellyn sits down with Brian Klazmer of Klazmer Financial Group for a deep conversation on how life and disability insurance really works for families with loved ones with special needs.

We unpack the essentials — from the structure of permanent vs. term coverage to advanced strategies like second-to-die policies, funding Special Needs Trusts, insuring caregivers, and coordinating coverage with SSI/Medicaid planning. Brian brings decades of experience and a clear, practical perspective families rarely get to hear.

You’ll learn:

• Why life insurance plays a unique role in special-needs financial planning
• Common mistakes families make when selecting coverage
• How to structure policies to support a Special Needs Trust
• The difference between insuring parents vs. siblings
• Underwriting considerations for families navigating disability
• When to review, replace, or reinforce existing coverage
• How life insurance integrates with your overall financial plan

Whether you’re a parent, a caregiver, or a professional serving families, this episode gives you the clarity and confidence you need to move forward with a safer, more sustainable plan.

Learn more about the Klazmer Financial Group (www.klazmerfinancial.com) and explore Rockwood Wealth Management (www.rockwoodwealth.com/special-needs-financial-planning).