How Should You Choose Survivor Benefits Options For Your Pension?

Episode 184 of the Real Personal Finance podcast, hosted by Scott Frank and James Conole, titled "How Should You Choose Survivor Benefits Options For Your Pension?" was published on December 28, 2022 and runs 19 minutes.

December 28, 2022 ·19m · Real Personal Finance

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Summary

Scott and James discuss how you should choose your survivor benefits options for your pension. Join the Real Personal Finance Community and click on "The Nation" We're on YouTube here! Listener Question: I'm not sure if this can be a whole show but I was wondering if you guys can go over how to think about choosing between the Survivor Benefit Plan (SBP) and whole or term insurance. I'm in the military and will be retiring soon. I work with a lot of members that are retiring and this choice...

Episode Description

Scott and James discuss how you should choose your survivor benefits options for your pension.

Join the Real Personal Finance Community and click on "The Nation"

We're on YouTube here!

Listener Question:

I'm not sure if this can be a whole show but I was wondering if you guys can go over how to think about choosing between the Survivor Benefit Plan (SBP) and whole or term insurance. I'm in the military and will be retiring soon. I work with a lot of members that are retiring and this choice seems like a coin flip or they simple go off of what someone else did. I know this decision is different for everyone so I was hoping you guys could go over a framework of how to compare the two. I would love to be able to point people to a podcast that walks them through the process of comparing the two.

Planning Points Discussed

Utilizing Time Efficiently
Capital Appreciation
Purchasing Power
Other issues (IRAs, Inflation, Financial Goals, etc.)

Timestamps:

2:30 - We're on YouTube HERE!

6:17 - Pension Overview

11:15 - Understanding Your Options

14:46 - Individual Choices

16:46 - Customization is Key

19:00 - Aligning Your Financial Goals

LET'S CONNECT!

James

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Scott

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