Kent Conrad: “The Federal Government's role has shrunk over the past few years.”

The surviving spouse provisions are especially important with regard to offsetting some of the unfairness that exists elsewhere.

If you are really going to relieve me of the administrative burden, if you are going to really relieve me of the liability, if you are going to really relieve me of the cost other than the payroll transfer.

I would just say in this whole area of lifetime income options, there is a tremendous opportunity here.

Millions of Americans are financially unprepared for their retirement.