LAKE BUENA VISTA, Fla. - As the population ages, insurers are adding wrinkles to life insurance and other products to serve the growing number of people who may actually live to be 100 or beyond.

Insurance companies have added maturity-extension riders to annuities to assure coverage beyond 100. Meanwhile, immediate annuities now allow aging policyholders to tap their cash. In the past, annuitization was an irrevocable decision.

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