Next April, I'll be presenting at the Benefits Selling Expo. My topic, part of the innovation track, is asking the right questions. In preparation, I've started asking myself some of the questions we may cover. This month, I'll share a set of questions to think about.

Should employees be more concerned about dying too early, or living too long?

The classic reason for buying life insurance is, in general, triggered by the risk of dying at an early age, leaving bills and responsibilities to those left behind by the “unexpected demise.” Living too long is rarely viewed as a risk, but that's just a surface reaction to not dying. In the context of outliving your assets, the implications of living a long life bring up images that are not so pleasant.