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Stage involved: From the time of retirement of the couple to the time of passing away of either one.
Ages for reference: After 60
Economic status: At this stage, you have a low income, the retirement pay, pension and the income from investment and wealth management are the main sources of income, and the primary expense is the expenditure in medical care and treatment. You are vulnerable to risks, so you can invest in financial products with low risk, like bond funds and wealth management products with fixed income.
Demand for insurance: Few insurance products are available in the market due to the restriction on age. At this stage, you can pay more attention to taking care of the insurance products you purchased before, stabilizing the investment.