 If it's your traditional pension benefit and you don't have a choice, you have to check one of those boxes and you're going to begin to get a monthly check. Taxes matter, your age matters, your health matters, your family history, your life expectancy, what other resources you have. But generically, I would say if you're married, you're not likely to check the life only box because when you die, that check goes way together, all together.