SAN FRANCISCO - With nearly 5.3 million Americans shifting inand out of retirement, the line between work and leisure continuesto fade and `retirement' takes on another meaning. More than 60% ofBaby Boomers say they'll work in retirement, many forced to do sobecause of rising health-care costs, unprepared retirementportfolios or for some, just choosing to stay more active,according to a report by SRI Consulting Business Intelligence, aresearch and consulting company. Some industry watchers have coinedthe shifters `revolving retirees.' As a result of the newdefinition of retirement, companies selling financial products -from annuities to life insurance to credit instruments - need toretool their offerings to satisfy a new breed of retiree, accordingto the study. "Retirement products were all built with anunderstanding of retirement as if it was this line in the sand,"said Larry Cohen, director of the consumer financial decisionsgroup at SRI Consulting told CBS MarketWatch. Experts suggesthaving a product that has flexibility built in to attract retirees.For instance, financial services companies might offer an annuityproduct with a flexible payout option allowing investors to raiseor lower annuitized payments in mid-disbursement. Financialadvisers also need to educate themselves on how to counsel seniorswho, for instance, may seek a line of credit to launch a newbusiness. Cohen said the traditional retiree probably didn't have alot of need for credit, but the revolving retiree periodically mayneed credit to start a business or to fund an endeavor or aproject, and they don't want to use their other assets. "Current(advice) services touch on being retired or on overall plans, butsince this is a different life stage, it needs to be thoughtthrough from the vantage point of people in that life stage," Cohensaid. Some insurance companies are already considering flexiblelong-term-care products, such as a life insurance policy or anannuity that can be transformed into a long-term-care policy ifneed be, said Brian Perlman, vice president of Matthew Greenwald& Associates, a market research company focusing on thefinancial-services industry.