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“However,” the group said in an email, “we do note that the reason for the suicide exclusion has nothing to do with morality or social/moral/modern views on suicide. It has to do with avoiding the circumstance where someone takes out a policy, pays a single premium, then commits suicide.”

Existing, single Premium members can upgrade to Premium Duo at any time and doing so won’t erase their account listening history or preferences.

A single Premium membership costs $9.99.

The simplest of them, known as single premium immediate annuities, are essentially bonds wrapped in insurance.

Given all that, you may want to consider purchasing a single premium immediate annuity when you retire.