Pension Maximization	Send this page to a friend

Major Issues

If you accept the pension plan's "life insurance" offer, you are choosing:

• A spousal reduction cost (a pension reduction amount) that increases with each cost-of-living increase;
• Total forfeiture of that cost. You will have paid a huge sum of money and have no equity. Over your normal life expectancy that total could exceed $100,000, $250,000, $500,000 or more!
• The forfeiture of the spousal reduction cost throughout the years should your spouse predecease you.
• The risk of losing a large part of your pension income if your life (or your spouse's) is shorter than you expect it to be.

Is There A Better Way?

Often the answer is "yes". The better way is Pension Maximization -- your individualized pension plan:

• Convert your spousal reduction cost (pension reduction) to an increasing asset--life insurance cash values;
• Have large equity buildup (five and six figure amounts) at life expectancy;
• Have access to substantial cash to fund unknowns and life events;
• Recover the pension survivorship costs, and more;
• Have the ability to leave remaining money to loved ones, or to leave a charitable legacy.