Hi, I'm 64 and recently retired. I believe the possibility of wide variations in life expectancy makes many people frightened to spend through retirement just in case they live to be 100 or more. Do you know of a product that is a true "life insurance policy"? i.e. I pay annual premiums now, and if I reach 90 (or any other nominated age), then I start receiving a nominated annuity? That way I could confidently plan to spread my retirement funds over the years between now and when I reach 90 years of age. I assume if I don't reach 90, the money would then be used to fund those who do.