After ducking them for a couple years I finally agreed to listen to their sales pitch. It was two hour-long phone calls spread over two weeks. Afterwards I thanked them, pointed out I'm doing just fine by myself, and told them their other services might interest me when I'm ready to retire. Fast forward about 8 months and they're calling me again seeing if I'm still interested, but offering me incentives this time. It was a garbled voicemail, but I think they offered the first 3 months of services for free. If you really don't want to hear from them, be assertive about it. Being polite and giving them the slightest opening means you're still on their list.