As a life insurance advisor, you will, at some point, be talking to your clients about retirement. To advise the client and make appropriate suggestions for their insurance and retirement plans, you need to be aware of the characteristics and uses of the various products, plans, registered accounts, and insurance strategies that can be used to ensure that your client has enough income at retirement. Some accumulation plans are offered by third parties, such as the Government of Canada or the client’s employer. You and your client may have very little control over the capital invested. Some accumulation plans such as annuities and segregated funds are more under the control of you and your client. These accumulation strategies can be used to enhance your client’s insurance and investment plans, subject to such rules as to maximum contributions, etc.