felecia187 so you are worried about retirement , worry no more this is guaranteed , how much so ? you will know how much you will get , a nurse in Red Deer , Alberta , Canada has done this for years , it is not illegal , the nurse would buy life insurance for older people and pay the premiums , when the person passed away she would give some to the persons relatives , and pocket the rest , by the way this is tax free , you can do this with your parents , and in the end they will fund your retirement , this is a great gift thanks to the insurance companies of the world , and you can do the same for your kids , the stress of retirement is now gone , you make the payments and you are the one that gets the check , enjoy your free retirement .