FERS Survivor Benefit vs Life Insurance: Which Protects Your Spouse Better
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FERS Survivor Benefit vs Life Insurance: Which Protects Your Spouse Better
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In this episode, Andrew McNair breaks down how Survivor Benefits work, what they cost, how they compare to term and permanent life insurance, and the tax implications every federal family should understand before retirement.
You'll learn why this decision can impact your family's income for decades, when Survivor Benefits may make sense, when life insurance may be a better fit, and how some retirees use hybrid strategies to address multiple risks at once.
Whether you're approaching retirement or helping a spouse prepare for life after federal service, this episode will help you better understand your options and avoid costly mistakes.
What You'll Learn:
- How the FERS Survivor Benefit works
- The difference between the 50%, 25%, and 0% survivor options
- Why Survivor Benefits are often compared to term insurance
- The tax treatment of Survivor Benefits versus life insurance proceeds
- What happens if your spouse passes away first
- The connection between Survivor Benefits and FEHB coverage
- Why relying solely on your TSP may create risks for surviving spouses
- Advanced planning strategies involving hybrid long-term care and life insurance
Key Takeaway:
The right answer isn't the same for every federal employee.
Factors such as health, age differences between spouses, pension income, TSP balances, healthcare needs, and retirement goals all play a role in determining whether Survivor Benefits, life insurance, or a combination of both may be appropriate.
https://calendly.com/swancapital_/nocostconsultation
To receive a customized Federal Retirement Report, call 1-800-848-8768 or visit swan-capital.com.
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