Perception vs. Reality There’s an alarming difference between perception and reality for current and future retirees. Have A Question About This Topic? Name Email Address Message Thank you! Oops! Related Content Is Term Life Insurance for You? Term insurance is the simplest form of life insurance. Here's how it works. Asset Allocation Consider how your assets are allocated and if that allocation is consistent with your time frame and risk tolerance. Retirement Redefined Around the country, attitudes about retirement are shifting.