What Is Pension Maximization?
When you retire, you have a lot of choices to make, and most important among these choices is whether to take your full pension payout or elect to have a spousal benefit. If you take the maximum, your spouse gets nothing when you die. If you opt for your spouse to receive 100% of your benefit when you die, you will receive only 50% - 70% of your maximum benefit now.
You May Be Giving Up HALF of Your Pension!
If you are in good health, or even if you have a few health glitches, you can usually use Life Insurance to protect your spouse's income and pay much less than your pension continuation options.
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