Most of us carry some form of insurance--medical--car--household-- life and personal injury. We buy this insurance in the event of, usually, some unplanned happening, so that we are protected against the loss.
What type of insurance do we have to assist us and offer some protection when we think of our retirement?
The policy I suggest carries no premium, is noncancelable, and you have it for life. The name of this retirement insurance is Primary Prevention--a strategy to provide enlightened awareness for your future years.
A pioneer in the field of Primary Prevention, Dr. George W. Albee of the University of Vermont states: "Primary prevention efforts are aimed at persons not yet affected with the condition to be prevented and generally they involve techniques applied to groups, often composed of those at risk for the condition to be prevented" ( Albee, 1987).
What does primary prevention have to do with your retirement? If you are considering retirement and are not yet affected by some of the difficulties people encounter when they leave their jobs, you are part of the group at risk. The objective of primary prevention suggests that you take those steps of awareness and planning before you retire to avoid mistakes and miscalculations in your new job-free life.
The issues for you to consider before retirement, under the mantle of Primary Prevention, include: financial: use of time, activities, availability of others; personal: relationships with spouse and important others,