While a healthy lifestyle is certainly on their minds, a significant portion of retirees and pre-retirees are not taking advantage of free, preventative services that could prolong their lives, according to a study released by the Bankers Life and Casualty Company Center for a Secure Retirement.

A full 98 percent of middlie-income retirees (with an annual income of $25,000 to $75,000) and pre-retirees polled say they know that good health is very important to a good retirement, but only 42 percent also said that they take advantage of Medicare's free annual wellness visit.

Only 47 percent of women and less than a third of men used the preventative care benefit in the last year.

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Better knowledge (or more interest) about the importance of health, the survey suggests, comes after we turn 40: 93 percent of respondents feel they have a greater awareness of healthy living now than they did when they were in their 20s. Eighty-nine percent report that they are in similar or better health than their parents were at the same age.

Most say they've made efforts to improve their health in the past few years, such as improving their diet and eating habits (77 percent) and doing more physical exercise (56 percent). 

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