"The ongoing debate about Americans' saving behavior during their working years ... misses the equally important question of whether retirees will spend their nest egg in the right way. For millions of older Americans, securing a sound retirement means both accumulating wealth while working and, importantly, transforming that wealth into lifetime security through vehicles such as annuities, long-term care insurance, and even reverse mortgages.... The problem for many retirees is that they simply don't have access to or knowledge of insurance products that can help to provide security."  MORE >>