Life insurance might play a central role in helping to protect your family’s financial future. But did you know that another important source of income for your survivors could be Social Security? If you earned enough work credits by paying Social Security payroll taxes, certain family members may be eligible to receive Social Security survivor benefits based on your record.

Family members who might qualify include:

• Your spouse or former spouse who is age 60 or older (50 or older if disabled)

• Your spouse or former spouse at any age, if caring for your child who is under age 16 or disabled

• Your unmarried children under age 18 (19 if attending K-12 school full time, or any age if disabled before age 22)

• Your dependent parents age 62 or older

The number of work credits you need depends on your age when you die. The younger you are, the fewer credits you’ll need for survivor benefits, but no one needs more than 40 credits (10 years of work). Under a special rule, your children and your spouse caring for your children can get benefits if you have at least six credits (one-and-a-half years of work) in the three years before your death.

How much will your survivors receive? An eligible family member will receive a monthly survivor benefit based on your average lifetime earnings. The higher your earnings, the higher the benefit. This benefit is equal to a percentage of your basic Social Security benefit and depends on your survivor’s age and relationship to you.

You can find out more about future Social Security benefits by signing up for a my Social Security account at the Social Security website, ssa.gov, this allows you to view your online Social Security Statement. Your statement contains a detailed record of your earnings, as well as estimates of retirement, survivor, and disability benefits.

The information in this newsletter is not intended as tax, legal, investment, or retirement advice or recommendations, and it may not be relied on for the purpose of avoiding any federal tax penalties. You are encouraged to seek guidance from an independent tax or legal professional. The content is derived from sources believed to be accurate. Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. This material was written and prepared by Broadridge Advisor Solutions. © 2026 Broadridge Financial Solutions, Inc.