The Sunday New York Times (March 5, 2017) has a special business insert section, “Retirement”, with many current articles by Kerry Hannon and others.
The focus of the whole section is the longer life expectancies, especially for women, compared to shrinking retirement social nets provided by employers.
Of particular interest is the column Life Stages, on p. 5. It recommends that breadwinners, by the time they are in their 40s, buy term life insurance (not whole or universal life), with zero cash value at the end. These have the lowest premiums. Whole companies, like PrimeVest, have dedicated themselves to marketing to customers to sell conversion of whole life to term. I had a rather curious job interview about this possibility on the spring of 2002 while still in Minnesota.
The insert also indicates that women typically have larger out-of-pocket medical expenses than men.
The section also maintains that 19% of Americans continue work after age 65. I work, but most of it is “for free”, well, sort of, and this is a long term bad example for other people besides me.