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The study examines the relationship between preretirement pension planning and life insurance purchase with its empirical findings from retired civil servants in Southwestern, Nigeria. Descriptive research design was employed. The study adopted purposive sampling technique. Structured questionnaire was used as a data gathering instrument. 387 respondents were drawn from three Local Government Council Areas from each state. Major statistical technique employed in this study was the Kolmogorov-Smirnov test. Two hypothetical statements were tested. The study recommends that more stringent efforts should be made by insurance practitioners to collaborate with government and other private employers by creating awareness on annuity as the best financing vehicle for retirees to earn gradual income. The regulatory authorities should throw their weight at monitoring any fraudulent activities that may emerge in the retirement risk management process by creating a more reliable data management system that have the capacity to capture any fraudulent attempt or committed fraudulent activities in the Nigerian insurance industry. This research work contributes to knowledge in that it awakes Pension fund managers and Insurance risk managers to be alive to their responsibilities in ensuring that loopholes in the retirement annuity plans are tackled.

PRE-RETIREMENT PENSION PLANNING AND LIFE INSURANCE PURCHASE AMONG RETIRED CIVIL SERVANTS IN SOUTH-WESTERN, NIGERIA