Perception vs. Reality There’s an alarming difference between perception and reality for current and future retirees. Share | Have A Question About This Topic? Name Email Address Message Thank you! Oops! Related Content Retirement Seen Through Your Eyes What's your vision of retirement? Is a Variable Annuity Right for Me? Pundits go on and on about how “terrible” or “wonderful” annuities are, but they never talk about whether annuities are right. Universal Life Insurance Universal life insurance is permanent insurance with a flexible premium. Here's how it works.