 E-desk America's wealth coach and best-selling author, Coach Pete Deruta. Coach, could you break down life insurance strategies for retirement? Life insurance is very confusing. I mean, here's what it is. If you die, someone's going to benefit. And you want to make sure that you leave your family in the same position or better than they were when you were here. And life insurance now, though, will enable you to reach into your own life insurance policy, the death benefit, and use it to pay for long-term care. So it's not just for the dead people now. It's for you.