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.