Quezon city: Either you die early or you live long -- that's the reality of life. Another reality: Most Filipinos do not plan for a comfortable life after retirement, either because they are not aware how or due to factors beyond their control. A recent survey by mutual life insurance company InLife showed Generation X (aged 45 to 60) scored the highest at 54 out of 100 in the retirement index, although it is still deemed far from ideal as they may not have enough to last them through their advanced years. According to Philippines News Agency, the younger, single or childless groups have lower retirement preparedness, with Gen Z (13 to 28 years) understandably scoring the lowest at 36 because of a different set of priorities. Some also face financial constraints because they support parents, siblings or other family members. Gen Z and millennials (29 to 44), however, are more open to and aware about what they must do post-retirement. A total of 1,000 respondents aged 18 to 59 participated in the InLife reti rement index survey that took into consideration life stage, personal finances, health, pension program participation, retirement sentiment and social support. 'The Retirement Index shows us that Filipinos need to see retirement in a new light. It's not just a financial milestone. It's an emotional, social, and even cultural journey,' InLife chief marketing officer Gae Martinez said during a media briefing in Quezon City on Tuesday. 'If we only focus on money, we miss out on the other pillars that make retirement truly secure and meaningful.' To help Filipinos plan their retirement, InLife has come up with Retire Assure, which it calls the 'first true retirement insurance product in the country.' Retire Assure provides a guaranteed monthly income from age 60 or 65, until age 100. It is payable in five or 10 years, or until the age of 59 or 64, depending on one's preference. It is further enhanced by cash dividends that have the potential to increase over the years to keep up with the increases in living expe nses. Another option is Retire Assure 2, a two-pay variant recommended for professionals who are transitioning to senior positions in their careers and who want a lasting security instead of market-driven uncertainty. It is for individuals aged 48 to 73 years old and is payable in two annual installments. The insured will start receiving a monthly income until age 100, after the second premium is paid. Upon death, the insured's beneficiaries receive the higher of either 110 percent of premiums paid (less payouts already received) or the guaranteed cash value, whichever is greater. Brokerage company secretary 'Lucy,' 58, is retiring in two years. Her husband retired five years earlier and their three children are already working, with the two younger ones still living with them. 'We have just enough but I hope we don't get sick because it might deplete our savings,' she told the Philippine News Agency. 'I don't want to burden our children.' She said they have insurance plans, which are 'death' benefits for t heir children. Aside from her company' retirement payout, she will rely on the monthly pension from the state's Social Security System. "I can still work, given the chance. Companies are more open to hiring senior citizens these days," she said. Lucy's mindset is what InLife advocates for: Real love. 'The kind of love that breaks intergenerational dependence. Many Filipinos say, 'my family loves me. I can rely on my children when I retire. But true love means ensuring your children's financial freedom by taking care of yourself first,' Martinez said. She said families, communities and institutions must normalize talking about retirement. "At InLife, that is what we are doing because we want our fellow Filipinos to be aware, more confident and prepared so they can retire without worries,' she said. 'InLife, at 115 years old, continues to find solutions to Filipinos' most pressing concerns. We are committed to empowering our fellowmen across generations.'