This comment is from Life Insurance Can Help You Get the Most Out of Your Pension Benefits
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Leave it to a life insurance salesman to push life insurance. The truth is that combining a single life annuity with life insurance to create a Joint & Survivor annuity cannot be as efficient as simply selecting the Joint & Survivor annuity to begin with. This is especially true once you work in the extra fees and expenses that insurance companies will add to the cost of the life insurance that the pension fund will never charge.
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