text: You can think of pensions plans as reverse life insurance. With a life insurance policy, the beneficiaries make money and the company loses money if you die young. With a pension, you make money and the pension fund loses money if you live to get old. 
  
  I stopped paying for life insurance when my youngest child left home, writing off all the premiums I had paid up to then to protect my children. if I die tomorrow, CPP gets to keep all my contributions. C'est la vie, or perhaps c'est la mort.