 and then pass on the remainder of the death benefit to your family tax-free as well. So before you, if you have a life insurance policy, before you cash it out, make sure that you're getting some professional advice. Again, not something you want to go alone. Now, you know that nagging question that just about everybody feels as they get close to retiring? That constant wonder in the back of your mind, do we really have enough? Or maybe even will this pile of money last as long as we need it to?