Military & Veteran Wealth Shield
Specialized financial defense for active duty, Guard, Reserve, and Veterans. Bypass the escalating VGLI rate cliff, maximize 100% of your military pension, and shield TSP rollovers from market crashes.
Authorized Carrier Network
Nationwide Financial
Heritage IUL & Living Benefits
Pacific Life
Pacific Indexed Accumulator
Transamerica
Financial Foundation IUL
Key Strategic Benefits
- ✓Bypass the VGLI Rate Cliff: SGLI ends after service; VGLI escalates every 5 years to over $750/mo. Lock in a permanent, level-premium private shield.
- ✓SBP Pension Max Strategy: Keep 100% of your gross military retirement pay without sacrificing 6.5% to SBP, leaving a larger tax-free lump sum to your family.
- ✓TSP Rollover Defense: Roll over traditional TSP funds into guaranteed 0% floor annuities to prevent market losses during civilian retirement.
- ✓Accelerated Living Benefits: Access your death benefit tax-free if diagnosed with a service-connected illness, stroke, or disability.
The SGLI-to-VGLI Transition Trap Explained
While active duty service members enjoy low-cost SGLI ($31/mo for $500k), this coverage expires 120 days after separation. Veterans who convert to VGLI face exponential 5-year rate hikes—costing over $750/month by age 65 and accumulating over $180,000 in lost premiums with zero cash value. A private Indexed Universal Life shield locks in a fixed rate for life while building tax-free cash equity under IRS Sec 7702.
Frequently Asked Questions
Q: Can I replace military SBP with an IUL policy?
Yes. By opting out of the 6.5% monthly SBP pension reduction and using those dollars to fund a permanent IUL, you keep 100% of your pension while guaranteeing a tax-free legacy to your family that never expires.
Angel Burgos
FL License: #G328926
0215 Life, Health & Annuities
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