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DH has a pension, no 401K though I've convinced him to put $ in a Roth. His pension will net him only $2K per month but goes away on his death). Yes, I make much more than my DH, but don't have any possibility of a pension.

Are you sure about that? Most pensions come with a joint option. However, it is often cheaper to take the single life annuity and buy term life insurance until the pensioner dies. The drawback of this plan is if the beneficiary is not able to control his or her spending, the life insurance payment might be spent too quickly. In that case, it is probably smarter to take the joint life annuity.


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