Life Insurance in retirement planning is to be explored for a number of reasons.

• Do you have a Life Insurance Policy in place that is either paid up or you are paying premiums for the life of the insured?
  
• Does your company have Life Insurance in place for you but it decreases over time?
  
• Does your retirement give you an option to take a reduced sum if you elect to have your spouse realize a life time benefit if something happens to you? Take a look at the possibility of acquiring a life insurance policy and take the larger amount. Your spouse will realize a death benefit from this life insurance policy and during your life you have not reduced your retirement.
  
• Do you have a family need you should protect? Consider this in your retirement planning.