Secure Your Legacy.
Not Just a Policy.
Life insurance isn’t just a safety net. It’s a strategic part of your retirement puzzle—especially for teachers, public employees, and retirees navigating pensions, annuities, and survivor benefits. At Retire Lab, we provide independent life insurance reviews that help you make confident, sustainable decisions.
Which Type Fits You Best?
We break down all the common types—so you understand not just what they do, but how they interact with your retirement plans.
Term Insurance
Best when you need high coverage for a limited period—like until kids graduate or mortgage is paid off. Some policies include living benefits (chronic/critical illness riders).
Whole Life Insurance
A long-term approach that grows cash value. You can often borrow against it to supplement retirement or fund emergencies.
Indexed Universal Life (IUL)
A flexible option: premium payments and cash value growth tied to market indexes. You get upside potential while maintaining downside protection.
Key Features & Trade-Offs to Watch
We evaluate each policy based on:
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Tax-Free Death Benefit
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Premium Cost / Affordability
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Access to Cash Value / Loans
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Guaranteed Minimum Interest Rates
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Market Participation & Index Crediting
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Policy Flexibility & Cost of Riders
We pair our analysis with your pension, annuity, and insurance context—so you can see whether a life policy is filling a gap or duplicating coverage.
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Smart Questions to Ask Before Buying
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How many years of your income need covering?
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What existing assets or insurance do you already have?
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Do you have short-term debt or future expenses (college, mortgage)?
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Will your policy include death benefit only, or living benefits, too?