Physicians Mutual's John Michael Higgins knows planning your retirement can feel scary. As the spokesperson dons a hairnet and ices a cake in a cafeteria, employee Leonard stands in line for food. Leonard is close to retiring but when he suddenly feels overwhelmed, he imagines himself in just his underwear. Everyone around the man takes turns laughing and pointing at his "premiums." To retire with confidence, John says to get the coverage you need at Physicians Mutual.