Authored by Brian Leising With increasing life spans, reductions in 401(k) plans, and unplanned serious illnesses you can reduce seniors’ fears by offering these solutions:

• Select the maximum life annuity pension option.
• Take a lump sum surrender payment from life insurance cash value.
• Elect periodic withdrawals from life insurance policy cash value.
• Exercise the accelerated death benefit option when terminal illness occurs.
• Combine the need for life and long term care with a linked benefit policy.
• Contribute additional funds to an indexed life policy for growth.