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• Don't let your insurance coverage lapse when you retire.
  
  
• Pick up the premiums formerly paid by your company.
  
  
• If you can't, be sure to activate COBRA.
  
  
• Factor the cost of location-specific healthcare into your decision about where to live.
  
  
• If you decide on long-term care insurance, establish a date to begin it. The earlier you begin, the cheaper the payments will be.
  
  
• Don't purchase unnecessary life insurance for your retirement years.