Do You Need Life Insurance to Replace SBP?
Are you stuck trying to decide whether to opt into the Survivor Benefit Plan (SBP)? You’re not alone—thousands of military retirees face this decision every year, only to find out later there’s a better option: a customizable War Chest strategy that works for your family and finances.
Why Building a War Chest is the Smartest SBP Alternative
Discover how private life insurance can provide more flexibility, tax-free benefits, and better protection for your family compared to SBP
How Life Insurance Can Replace SBP—and Do More
A private life insurance policy provides flexibility, control, and tax-free benefits that SBP simply can’t match. Here’s why it’s a better alternative:
Customizable Coverage
Tailor your policy to meet your family’s unique financial needs and lifestyle goals.
Lifetime Protection
Maintain your coverage for life without worrying about rising costs as you age.
Tax-Free Equity Growth
Build cash value that grows tax-free, offering stability and long-term financial security.
Reward for Good Health
Qualify for lower premiums if you are healthier than the average American.
Guaranteed Market Protection
Enjoy growth linked to market indices without the risk of losing principal during downturns.
Download our FREE War Chest Guides
Join our Military Retirement Blueprint community and gain instant access to our free resource library, designed to help you explore alternatives to SBP and TSP.