In Federal Benefits Analysis, Pension Maximization is a must. In pensions where there is a deduction required to leave your surviving spouse an income, many retirees have opted a reduced pension amount.

If your spouse dies first, you lose your benefit. All money allocated to this benefit is lost. Without the surviving spouse benefit option, an early death would cause the entire pension to be wasted.

The difference in payout between the Pension amount and the Surviving Spouse Benefit option, can be invested today to purchase a life insurance policy that can accumulate cash values. If your spouse dies first, the retiree can surrender the policy for cash values or leave the death benefits to the family estate. Life insurance premiums can be payroll deducted today.To request additional information, or a free quote with no obligation, please CLICK HERE.