At age 65, already 25 have died, 75 are still living, and of this group, 34 have annual incomes under $10,000 and 42 have annual incomes between $10,000 and $35,000. The median income for this group is $12,214. Only 4 are financially independent.

        We all face two problems in life…We will either die too soon or outlive our earning years. If we die too soon, we naturally want to make sure our family will continue receiving a monthly income the same as if we were still here to protect and provide. If we outlive our earnings years, we want to make sure we are one of the four people, who are financially independent.