How Pension Maximization Works with Life Insurance

Learn how to boost your pension payout from the state using the “Pension Maximization” strategy using life insurance. Most retirees will be forced to take a lower pension payout to make sure that income stream continues for their surviving spouse. What they don’t realize is that their kids will be disinherited when their spouse also dies.

However, by securing their own life insurance policy when they are younger and healthier before retirement, they can take the highest possible pension payout knowing their spouse can replace the pension income from the life insurance death benefit without disinheriting their kids as secondary beneficiaries.

Learn exactly how this Pension Maximization with life insurance works and how it can help you get the highest possible payout from your pension guaranteed.

Timestamps & Resources:
0:00 – Intro to the Pension Maximization strategy using life insurance
1:15 – The difference between Single-Life and Joint & Survivor pension payouts
2:59 – Joint & Survivor payouts are worse than buying life insurance for your surviving spouse
4:38 – Why buying private market life insurance is more efficient than 403b
5:18 – Pension Maximization example when both spouses die early
6:08 – Pension Maximization example when the retiree’s spouse dies early
7:00 – Pension Max example where both spouses live a long & happy retirement
7:42 – Why most people choose the Joint & Survivor option
8:39 – How to easily find the money to pay for Pension Maximization with life insurance