The Survivor Benefit Plan: It’s Not Just About The Math
This article offers an educational perspective on the Survivor Benefit Plan (SBP) that goes beyond rates of return and spreadsheet comparisons. It is intended to help military families reframe the SBP decision as a question of survivor income, emotional burden, and long-term peace of mind, particularly for the spouse who would live with the outcome. The discussion is general in nature and meant to encourage thoughtful conversation between partners.
A Costly Lesson in Trust: How One Military Family Was Misled
Many military families are targeted by salespeople posing as financial advisors. These individuals often promote complex insurance products, such as whole life or indexed universal life (IUL) policies, as “wealth-building” strategies.
This article examines how one such case exposed the dangers of commission-driven advice and highlights practical ways to identify the difference between a true fiduciary and a salesperson in disguise. It also provides key questions to ask, resources to verify credentials, and guidance on how to find professionals who act in your best interest.