Scott knew his pension from his old company was going to stop in two years and wanted to plan to replace that income for him and his wife. They did not want to change their lifestyles and spending habits but knew that the full income amount may not be able to fully replaced with the current investable assets he and her have. They wanted to use a big name company that they can trust and that they know will be around for the long haul. Nationwide was the best solution for them to start a guaranteed income for them both in two years as planned. We could only replace half of the income that they are losing but he will have another bucket of investable funds that is available before that two year time period that can also be used for additional guaranteed income if that is still the need for them both at that time. Retirees do not worry about dying, they want to know they have enough money and income to live their lives. His biggest concern was to ensure the income will continue for his wife if he passes away, which it will completely.