 What's the negative? Well, the negative is that when you give that lump sum to an insurance company, you've irrevocably given it up. And you have no access any longer to that lump sum because you've exchanged it for an income stream. And yes, Brenda, in most cases, that also means that if you die before life expectancy, the insurance company keeps the money and your family is left out. The other side, though, Brenda, is if you live way past life expectancy, then you can say you've beaten the insurance company.