Capital needs at death can have a significant impact in any planning scenario. Which one of the following is a reason to include this area when doing retirement planning?

a.

clients cannot purchase insurance at more advanced ages

b.

the purchase of insurance eliminates the need for any further capital needs at death planning

c.

These concerns are unlikely ever to become a capital needs at death issue

d.

Reassess your financial needs in retirement.

e.

funding these needs is more economical when a client begins at a younger age