Get free help preparing your taxes from AARP Foundation Tax-Aide. Find a location




Contests and

AARP’s Superstar
2015 Contest

Sing for a chance to win $5,000! Enter AARP’s Superstar 2015 Contest!
See official rules.

Free Fun!

AARP Games - Play Now!

PROGRAMS & resources

Best Employers for Workers Over 50

Check out the winners list and latest news about this AARP recognition program.

Employer Resource Center

Attract and retain top talent in a changing workforce.

Your Own Business

Information for business owners, entrepreneurs and the self-employed.


Learn From the Experts

Sign up now for an upcoming webinar or find materials from a past session. 

Most Popular


Financially Speaking

Making Retirement Plans?

Don't forget spouse protection

Social Security. The longer a worker waits to claim Social Security benefits, the higher they'll be. Waiting also gives the surviving spouse a higher widow's or widower's benefit. I wrote about this choice last month: "Social Security, Longevity Insurance."

Life insurance. Your budgeting session might show that you need more life insurance. A good option is a type of policy called no-lapse universal life. It's like term insurance in that it doesn't build cash value; yet, like traditional whole-life coverage, it lasts as long as you do, with no increase in premium. You could buy it new, if you're insurable, or convert your current term or expensive cash-value policies to no-lapse without a health exam.

Your papers. One good thing Charles did was to assemble his will, health care proxy, power of attorney and investment documents all in one place, explain them to Jean and leave explanatory notes behind. Other women friends do the organizing themselves, because they work, have investments or are better at money than their husbands are. Either way, it will save the surviving spouse a ton of trouble. Peace of mind is spouse protection in itself.

Jane Bryant Quinn is a personal finance expert and author of Making the Most of Your Money NOW. She writes regularly for the Bulletin.

You may also like: What does retirement mean to you? >>

Topic Alerts

You can get weekly email alerts on the topics below. Just click “Follow.”

Manage Alerts


Please wait...

progress bar, please wait

Tell Us WhatYou Think

Please leave your comment below.

Jobs You Might Like

Discounts & Benefits

From companies that meet the high standards of service and quality set by AARP.

UPS Store membership discount aarp benefits

Members save 15% on eligible products/services, 5% on UPS shipping at The UPS Store®.

membership adt

Small business owners save 20% on new installation of any new ADT security system.

Man using cell phone outdoors

Members save on monthly service & usage fees and get free activation with Consumer Cellular.

Member Benefits

Renew today! Members receive exclusive member benefits & affect social change.

Advance your skills. Transform your career.

Explore your learning possibilities.