We at American Insurance & Financial Services would like to help with the planning.  We are very passionate about educating about retirement needs.  Do you have life insurance, a 401K or Annuities?  Do you know the differences between life insurance and annuities?  If you are on a limited budget what product would be best to purchase first?  Life insurance or annuities?  You have heard that life insurance and annuities can be very expensive.  Has anyone advised you that is not always true?