{"id":13,"date":"2026-09-11T15:00:00","date_gmt":"2026-09-11T15:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/wmsinsurancelv-com\/2026\/09\/11\/the-life-insurance-move-that-lets-a-retiring-64-year-old-take-the-higher-single-life-pension-and-still-leave-his-spouse-720000-protected\/"},"modified":"2026-09-11T15:00:00","modified_gmt":"2026-09-11T15:00:00","slug":"the-life-insurance-move-that-lets-a-retiring-64-year-old-take-the-higher-single-life-pension-and-still-leave-his-spouse-720000-protected","status":"publish","type":"post","link":"https:\/\/www.wmsinsurancelv.com\/blog\/2026\/09\/11\/the-life-insurance-move-that-lets-a-retiring-64-year-old-take-the-higher-single-life-pension-and-still-leave-his-spouse-720000-protected\/","title":{"rendered":"The Life Insurance Move That Lets a Retiring 64-Year-Old Take the Higher Single-Life Pension and Still Leave His Spouse $720,000 Protected"},"content":{"rendered":"
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Here\u2019s a smart strategy for couples approaching retirement that I often share when we\u2019re discussing protection options. If you have a defined-benefit pension, you may face a choice between a higher single-life payout or a reduced joint-life benefit to protect your spouse. But there\u2019s another way: by choosing the higher single-life annuity and using the extra income to purchase life insurance, you can maintain your income and still ensure your spouse is protected\u2014like in the case where a 64-year-old retiree secured $720,000 in coverage for their partner. This approach requires good health, spousal consent, and needs to be set up before you make your pension selection. It\u2019s all about making sure your loved ones are covered the right way, without leaving money\u2014or peace of mind\u2014on the table. My goal is always to help families understand their choices and position themselves for long-term stability. That\u2019s what real protection looks like.<\/p>\n

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Here\u2019s a smart strategy for couples approaching retirement that I often share when we\u2019re discussing protection options. If you have a defined-benefit pension, you may face a choice between a higher single-life payout or a reduced joint-life benefit to protect your spouse. But there\u2019s another way: by choosing the higher single-life annuity and using the […]<\/p>\n","protected":false},"author":437,"featured_media":42,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-13","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.wmsinsurancelv.com\/blog\/wp-json\/wp\/v2\/posts\/13","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.wmsinsurancelv.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.wmsinsurancelv.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.wmsinsurancelv.com\/blog\/wp-json\/wp\/v2\/users\/437"}],"replies":[{"embeddable":true,"href":"https:\/\/www.wmsinsurancelv.com\/blog\/wp-json\/wp\/v2\/comments?post=13"}],"version-history":[{"count":0,"href":"https:\/\/www.wmsinsurancelv.com\/blog\/wp-json\/wp\/v2\/posts\/13\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.wmsinsurancelv.com\/blog\/wp-json\/wp\/v2\/media\/42"}],"wp:attachment":[{"href":"https:\/\/www.wmsinsurancelv.com\/blog\/wp-json\/wp\/v2\/media?parent=13"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.wmsinsurancelv.com\/blog\/wp-json\/wp\/v2\/categories?post=13"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.wmsinsurancelv.com\/blog\/wp-json\/wp\/v2\/tags?post=13"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}