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

Military retirees are losing money because they are using the wrong calculator when trying to figure out whether or not to decline the SBP. The wrong calculator is the one that only accounts for the annual costs compared to the potential death benefits to a surviving spouse. This is resulting in many retirees making the wrong decision that will cost them more than six figures in sunken costs if not address before the 36th month after retirement or before you receive a DD214.

However, there is a different calculator that takes into account the probability of a return on investment, which is a much more accurate way to determine whether or not the SBP is a good decision. This calculator is Not available on the Military Retirement Calculator website you have to dig for it. Why would that be?

You should be looking at the probability of a return on investment, and not at the simple cost versus benefits calculation. By using the right SBP Calculator, you can avoid making costly mistakes that could affect your financial security in retirement.

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