Lifetime income through insurance, whether that be annuities or life insurance, can help to manage market volatility and investment risks, to protect from longevity risk, to more efficiently earmark assets to cover retirement spending, to reduce the fear and worry that many have about outliving their assets in retirement, and to simplify the financial plan. This course, based on the book Redefining Retirement: A Safe and Secure Way Down the Mountain, by Wade Pfau, Ph.D., CFA, RICP®, investigates three basic ways to fund a retirement spending goal: with a bond ladder, with a diversified investment portfolio, and with annuities and life insurance. We consider the potential role for different types of annuities including simple income annuities and their various flavors, variable annuities, and fixed index annuities.