Thirty-three percent of Americans have no retirement savings or pension, according to the Federal Reserve. No wonder so many of us are nervous about our ability to retire.

Fortunately, there is an asset that many American seniors have at their fingertips that they can use to fund their retirements. Most of them don't even realize it.

Darwin M. Bayston, a chartered financial analyst, and Daryn N. Teague, a public relations consultant who works with providers of legal and financial services, created this simple consumer guide to help people unlock the hidden value in their life insurance policies. Learn how to:

find out the things that insurance companies don't want you to know;

improve your quality of life in retirement;

eliminate what could be an unnecessary expense; and

reduce stress by gaining peace of mind about retirement.

Some life insurance companies actually prohibit the agent who sold you a policy from telling you about the strategies revealed in this guide. Find out about all of the options at your disposal by learning about The Hidden Value in Your Life Insurance.