let's say you were a school teacher about to retire and the uh State calls you in and says okay you have worked here for 30 years times 2% you will get 60% of the average of your last five years paychecks you go oh okay let's say you're going to get 5,000 bucks a month and then they say you'd like to share that with your spouse wouldn't you if you'll simply take 3,600 a month then we'll pay you 3600 a month for as long as you live and when you die we continue to pay 3600 a month to your spouse house sign here yeah you just gave up 1,400 a month in this little simple example uh that's the most expensive life insurance policy you'll ever buy and you won't be able to change the beneficiary if your spouse predeceases you you want to take the 5,000 a month option and take that differential and put it into a laser fund it will be far better for you read why and how go to laser fund.com and you contribute towards the shipping and I'll pay for the book but