EP: 23.25 - The Missing Layer in Divorce Planning: Life Insurance, Long-Term Care, and Collaboration

Divorce is more than a legal process—it’s a financial turning point that can impact your security for decades. In this episode of the Divorce Mortgage Strategies Podcast, host Amy Valdivia sits down with Carly Ebenstein of CJB Insurance Services to explore how life insurance and long-term care planning play a critical role in divorce settlements and long-term financial protection.

Carly shares her personal divorce experience and explains why insurance is not just about protection after divorce—but a strategic tool during negotiations. Together, they discuss how life insurance can safeguard support obligations, why long-term care planning is often overlooked in divorce, and how collaboration between divorce professionals creates stronger, more sustainable outcomes.

This conversation is essential for divorcing homeowners, family law professionals, mediators, financial advisors, and anyone helping clients navigate complex divorce decisions involving real property, support, and future care needs.

In this episode, you’ll learn:

• How life insurance can protect alimony and child support obligations
• Why long-term care insurance should be considered during divorce planning
• The financial risks of ignoring future care costs in a settlement
• How collaboration between professionals improves divorce outcomes
• Why DIY divorce planning can lead to costly long-term consequences

📌 About the Guest:
Carly Stein is an independent insurance broker with over 30 years of experience specializing in life insurance and long-term care planning. Based in Colorado, Carly works nationwide and is known for her education-first approach and collaborative philosophy.

Connect with Carl: www.cjbins.com

🔗 Resources & Support:
To connect with a Certified Divorce Lending Professional (CDLP®) in your area or explore additional divorce mortgage planning resources, visit DivorceLendingAssociation.com.

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💬 Share this episode with professionals or individuals navigating divorce who need clarity beyond the legal paperwork.

Visit www.divorceworkshop.com for more information and to take back control.

At the Divorce Lending Association, our mission is to help divorcing homeowners make more informed decisions regarding their home equity solutions and the divorce team identify any potential conflicts between the divorce settlement, the mortgage, and real property.

Divorce Mortgage Planning is the ability to put into play the desired outcome by pairing the needs and options available while incorporating the necessary details and clarity into an executable settlement agreement to obtain closure and peace of mind successfully.

Are you going through a divorce and need information on refinancing your mortgage or buying anew home once the divorce is final? Often conflict arises out of a lack of knowledge. We have an amazing workshop available allowing you to take control of your situation and divorce mortgage planning so you are in a stronger position to negotiate while removing conflict and unrealistic expectations.

Visit the Divorce Lending Association for resources and strategies on divorce mortgage planning.