One of the biggest concerns many people have when creating a retirement plan is running out of money before they die. Your life expectancy will play an important role in your planning. If you are in great health, and you have parents and grandparents who have lived into their 90s, then you need to plan that you will also live a very long time. How long you might live will impact when should you start your social security, how much you can withdrawl from your portfolio without running out of money, whether or not you should continue your life insurance coverage into retirement and whether or not you should elect a suvivor benefit on your pension. One tool you may want to consider using when creating your retirement plan is the online life expectancy calculator called www.livingto100.com.