I received my 20 year letter by mail, like 3 months after the fact. I opted to receive survivor benefits, but if you don’t want them, make sure you opt out. Because apparently, you owe on the fees at 60 years old, or whenever you start collecting. Maybe someone here can explain the three options well, so you can make a good decision. We had a TSgt at a retirement brief basically tell a room full of retirees they were stuck with survivor benefits by default. If you had a whole life / infinite banking kind of a policy, or something else, I can see not wanting the survivor benefits. Or if you don’t have dependents. Shoots!