My Ex is a retired federal employee. During marriage, ex wanted me to waive the survivor annuity benefit, as "a term life insurance policy would be cheaper by the month, and pay more." We agreed I would resign from federal service to raise our two children. The ex is more savvy financially; however, when he walked out and moved finances, I had to find attorney and file PL. Fast forward...divorce is final, attorney still needs to complete PSA and file. Ex is still trying to convince me to waive the survivor's annuity and get a term life policy. I am having to pay for the survivor's annuity out of my support. Just don't trust his motives, perspective, after being abandoned, the adultery, etc. Would help to hear different perspective. I have primary custody of our two elementary aged children and am trying to find gainful employment. Tough times. Attorney is simply trying to rack up legal fees and this is just as horrible as going through a divorce. Thanks.