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Buy her a life insurance policy and collect the full amount
That's what I did, although I bought the insurance earlier as to get a much lower rate and I qualified for premium plus classification. You are replacing only the survivor benefit amount of the pension and life insurance is tax free. Our plan here has a guaranteed 10 year payout so and payout before then would be invested for time remaining of pension payout.
Buy her a life insurance policy and collect the full amount
That's what I did, although I bought the insurance earlier as to get a much lower rate and I qualified for premium plus classification. You are replacing only the survivor benefit amount of the pension and life insurance is tax free. Our plan here has a guaranteed 10 year payout so any payout before then would be invested for time remaining of pension payout.