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Modeling future military pension

Good afternoon,

I ran two examples of future military pensions: first as an annuity, and, second, as a pension. When I used the "annuity" option, ES Planner did not recommend life insurance. However, when I used the "pension" option, ES Planner recommended adding life insurance.

Two questions:

1. Should I use the "annuity" or the "pension" option when planning for future military pension?

2. I do not pay State Income tax even though I am stationed in that state. To ensure the numbers match, do I add the amount of State Income Tax deducted as "Special receipts"?

Patrick