retirement and life insurance - seeman holtz From health issues, to debt, heirs and more; there is a lot to take into account to determine the value of your life insurance policy after you’ve retired. “Some people choose to keep life insurance during retirement because the death benefits are tax-free to heirs. Others maintain it as another asset they can use to balance out the distribution of their estate to their heirs. Life insurance can also give a surviving spouse a financial cushion, and provide a greater sense of financial security while both spouses are still alive…” [ Read more here ]