Hi all,I wanted to provide you with the impacts of the various survivor selections that werre available to me at Lockhed Martin. The following table gives the options and the relative reductions for each.1. Life Only - 100%2. Five year Guarantee - 99.3%3. 50% Joint and Survivor - 93.3%4. 75% Joint and Survivor - 89.7%5. 100% Joint and Survivor - 86.9%There are a couple of others...10 year guarantee, level income before age 62, level income before 65 but they are of less interest to most. All of these options are supposed to cost the company, statistically the same amount.When I retired last year, I took the 100% joint survivor option. I hope this helps.