Saving, investing and diversifying is extremely important during your hard working years leading up to retirement. People typically only think of purchasing life insurance to protect their family or business financially if they were to pass away during those years. To believe that we know today exactly the best way to receive income 15, 20 or 30 years into the future is presumptuous. This is part of the reason we diversify our portfolios with taxable, tax free, tax exempt, and tax deferred investments. A major concern of retirees is longevity of those accounts, and one event that can derail their planning is sequence of returns. However, providing a properly structured insurance policy can provide them with non-reportable income during retirement that can effectively manage their tax bracket, and potentially increase the longevity of their accounts. Knowing when to purchase this type of policy and how to design it is our specialty.