Life insurance is the best tool to guard against the risk of dying too soon, while annuities are often the best recommendation to guard against the risk of living too long. Typically, purchasing life insurance is done almost routinely and without question, probably because most of us tend to think of others before we think of ourselves. In this episode of The Money and Business Hour, Roy Matlock Jr. talks about the importance of life insurance to protect your loved ones in the case that you die too soon, and the equal importance of annuities to protect you and your loved ones in the case that you live longer than expected.