 If it's in an IRA or Workplace 401k, well, you can't get to it without being penalized and paying taxes on it. And if you do get to it, you are going to have to pay the taxes on it. And again, would it ensure that you're not going to run out of money? Well, we recommend insuring your retirement income. Well, what are the risks? Well, we've mentioned some of them. One of them is living too long.