Another product that is more volatile but investor - friendly is mutual funds with a targeted date of retirement. (nomad4ever.com)
Should it be allowable, purchase a benefit length equal to your expected date of retirement (or as long as you expect to continue making an income). (highincomeprotection.com)
If people are picking target date funds because of their projected date of retirement instead of their asset allocation, then they are doing it all wrong. (freefrombroke.com)