Protection That Works as Hard as You Do.

Here is something many agents never mention. If you have a pension, your plan likely offers a survivor benefit option that reduces your monthly pension payment in exchange for protecting your spouse after you pass. That built-in protection comes at a cost — and for some people, comparable protection can be arranged for less.

Our Pension Protection strategy uses a term life insurance policy designed to provide a death benefit intended to protect your surviving spouse — often at a lower monthly cost than the survivor-benefit reduction. When it fits, you keep your full pension payment, your spouse stays protected, and you put more money back in your household budget every month.

For many government workers, teachers, and union employees, this approach can add meaningful income back to their household every month. Whether it works for you depends on your health, insurability, age, and your pension's specific terms — and keep in mind that a term policy that ends or lapses before you pass would leave your spouse without the protection the survivor benefit would have provided. That is exactly why we run your real numbers side by side before recommending anything. Ask us to run the comparison for your pension; you may be surprised at what you find.