“Life Insurance in Retirement Planning” is used to satisfy life insurance final expense benefit yet address the need for retirement income at a said time and amount via monthly income replacement and/or lump sum withdrawals.  As a form of income stream during a noted desired retirement age, a customized approach is done to illustrate applicant income capability using a said product structure via indexed market potential, illustration of  historic average returns, and floor protections applied to aid in meeting targeted goal.

As an added service, this product may include Benefit Riders commonly used as a Long Term Care benefit allowing policy holder access to cash from policy in the event of Specified Disease Diagnosis, Critical Illness, and/or Terminal Illness to use during treatment years of diagnosis.