It is simple, I made the choice
You simple determine who will live longer you or your spouse. If you can not determine this easily take the reduced benefit. The life insurance policy seems easy now but gets harder as you age especially into your 80's or 90's. It gives money to your planner up front and they can show how it pays off like magic. Stay away from this game for it is not one you can win without dieing quickly. Just take the reduced benefit and concentrate on living a long and happy life.
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