![]() ![]() Don't expect SBP to do it all, but give it full credit for what it does. Even if they could duplicate SBP, investments may be volatile and rely on a degree of financial expertise many don't have. On the other hand, insurance and investments without SBP may be less than adequate. For example, SBP does not have a lump sum benefit that some survivors may need to meet immediate expenses upon a member's death. Other insurance and investments are important in meeting needs outside the scope of SBP. Still, SBP alone is not a complete estate plan.
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