Exactly, no one wants to die after your first monthly pension that's why we should never want to get all our pension at once because it's like saying that 1 month pension is all you're going to get. Since I don't think it will be possible to negotiate with how much of your entire pension you're going to recieve.No one would wish to die after the first month of retirement. That's a bad wish and even when you don't die, getting the full pension at the start of your retirement may bring about confusion when you are not fully ready to utilize this huge amount of money.