Survivor benefit plan (SBP) alternative

the Modern survivor benefit plan alternative

According to the DOD: SBP alone is not a complete estate plan. At US VetWealth we offer other insurance, investments, and education that are important in meeting your needs outside the scope of SBP. 

>80%

Retired Military Paying for SBP

-$200K

Average cost of SBP for Career Officers

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Probability of getting SBP payments back

*DOD Office of the Actuary statistics show that there is less than 50% probability on average of getting a refund of SBP premiums in the form of beneficiary payments. This means that for the average retiring officer who will be committing almost $200K for SBP payment could have had that money work more efficiently in the Spouse Benefit and Family Legacy Plan.


Military Retirement isn’t just for the service member; it's for the family, too.

Career military families are a special breed, but when it comes to finances they're treated like everyone else. We see your success and are confident that our strategies can protect your income and assets from the risks that everyone else can't avoid. 


US VetWealth is on your side.


LTC (R) - US Army

Thank you, Scott. You really opened my eyes to the possibilities of making my money work for me in a tailored solution that makes sense for my personal situation, maintaining security while allowing wealth generation with the flexibility to adjust going forward as means, needs and goals change. I think all transitioning service members should take advantage of your advice and services.

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V. Moore US Army Radiologist

For the first time ever, I can honestly say that someone with scary skills and an unparalleled level of integrity has MY BACK. US VetWealth is pulling open the curtain and exposing the good, bad, and ugly behind what military families are being sold. Thank you. Truly.


how we can help

usvw_spousebenefitplan_04-24-2022 (O-6 w 26 Years) FINAL

What strategies have you used to prepare for military retirement?

We work with military families who need a trusted guide to educate and help them design smart strategies for income and investments.

DOWNLOAD GUIDE

Keep 100% Of What You Earned

Did you know that the military survivor benefit plan costs 6.5% of your retirement pay and will only pay 55% of your pension to your spouse if you die? 

We have a better solution.

Understand Your Personal Assets 

LES, ROTH, SGLI, TSP, 529's, SBP, etc? It's a lot.

We consolidate all of your income and investments on our one-page asset map for FREE so that you can easily view what you have and why.

Learn New Financial Opportunities

Did you know that when you have a pension and a 2nd income you are considered a high income earner?

We can help you qualify for more efficient investment and insurance strategies. 


what we offer

The Military Pension Protection System™

Did you know that military retired pay stops upon death of the retiree? The government offered Survivor Benefit Plan (SBP) allows a retiree to ensure, after death, a continuous lifetime annuity for their dependents. But what happens if you don’t die young?

The Military Pension Protection System™ is the only life insurance strategy that enables career military families to keep 100% of your military pension and use it as a source of income, legacy building, or however you please.

Wealth Dashboard & Map

There are far too many investment choices on the marketplace for any one financial advisor to develop a truly customized plan, let alone give the best advice or service possible, for you and your family.

With transition looming over the horizon, let’s face it, you don't have time to research every investment available either.

As a fiduciary, we combine our expertise and modern technology to easily develop an affordable & personalized investment strategy.

High Income Strategies

A career in the United States Military earns you a retirement pension often worth well over seven figures in value. Having a second career or a dual income household also puts you in a higher tax bracket.

The reason you are now in this position is not your fault. But if you are retired military, you can't avoid it.

That's why you need US VetWealth to help you Map & Reroute your assets and income to keep more of your money working for you and your family.

A New Solution to Avoid SBP

The survivor benefit plan only offers a benefit if the veteran passes away before the spouse and leaves nothing towards your family's legacy. The Military Pension Protection System™ gives you the flexibility to access the money you've paid into the plan and adjust beneficiaries - regardless of the outcome. 

Features of All the Available Military Retirement Pay Protection Options

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SBP

VGLI

Term Life

Whole Life

Universal Life

Military Pension Protection System

Available Coverage Amount

55% of Pension

$400K Max

$500K-$2M

$50K - $350K

$100K - $750K

$1 - $5 Million

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Lifetime Coverage

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Tax Free Distribution

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Living Return on Investment

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Protected Cash Equity

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Flexible Premiums & Coverage

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Long Term Care Benefit

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Early Cash Liquidity

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Market Linked Growth

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100% Pension Protection

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VA Disability Protection

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Need help with the SBP decision?

Let's have a conversation to see if we can help.

Schedule a Free Consultation

PODCAST

Should we keep or opt-out of the survivor benefit plan?

With the Military Pension Protection System™, we take an empowering approach to help military spouses and couples make informative, intentional and confident decisions about their family finances. Since death is evident for all of us, we prefer to focus on today’s positive benefits of being a military spouse by providing a full understanding of the service member’s military pay & retirement benefits.

Spouses are the cornerstone of military families. Hence, this is the reason why we named our podcast The Spouse Benefit Plan. As many spouses already take on the role of managing the family budget, we simply offer ourselves as a guide to ensure that they have peace of mind that they’ve secured a strong financial foundation from now, to post-military life, and thereafter.

- jen amos

SPOUSE BENEFIT PLAN HOST

GOLD STAR DAUGHTER


Additional resources

Get Our New Book!

Your military retirement pension is the most valuable asset you will have ever earned. That is assuming you live long enough. Since that is the most likely scenario, then you should know the trade offs between the different ways to protect your pension. You'll be shocked to learn how big the numbers actually are!

Military retirement bookcover

tools and advice

Articles & Videos About the SBP Decision

Stay up to date with the latest tips & tools for career military families.

June 6, 2022

Military Retirement Survivor Benefit Plan (SBP) Calculator MISTAKES in 2022: SBP Costs vs Probability

June 8, 2020

Life Insurance For Military Retirees: How to Prepare for the Unknown