A solid insurance and retirement plan will help your clients generate a steady flow of tax-efficient income while providing for their financial security. The biggest concern for clients who are retired or approaching retirement is that their source of income will not be enough to cover their living expenses in their later years. This is why planning for the possibility of a very long retirement is essential. On average, the retirement period for clients today will be longer than it was for their parents and grandparents. Increased life expectancy and the current trend to early retirement can both extend the length of retirement time, substantially increasing longevity risk for your client.