I'm not recommending any of this, mind you, but I thought I would add the link for discussion.From the Wall Street Journal's "Online" page (free, at least for now)It's the financial nightmare that haunts retirees: They live a surprisingly long time or they earn lousy investment returns -- and they end up outliving their savings.How do you guard against this danger? Your monthly Social Security check provides a partial safety net, and you may have further protection in the form of a traditional "defined benefit" pension.But Wall Street is hoping you will purchase even more insurance. Indeed, it's promoting a slew of products, both old and new, including the four described below.http://online.wsj.com/public/article/SB115476382654327878.html?mod=sunday_journal_primary_hs
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