Life Insurance for Federal Employees

Benefits designed to provide security to those who matter most.

Why Federal Employees Need Life Insurance Beyond FEGLI

Protect Your Family’s Financial Future

As a federal employee, you may have Federal Employees’ Group Life Insurance (FEGLI) through your job. But is it enough? FEGLI can become expensive over time, and it may not provide the coverage your family truly needs. Having the right life insurance plan ensures your loved ones are financially secure, no matter what happens.

How Life Insurance Works with FEGLI

  • FEGLI is Not Always the Best Deal – FEGLI gets more expensive as you age, and costs skyrocket after age 50. Private policies lock in lower rates for life.

  • FEGLI May Not Be Enough – Basic FEGLI coverage equals one year of salary, which may not be enough to cover your mortgage, debts, or children’s education.

  • FEGLI Ends if You Leave Federal Service – If you retire or leave government employment, your FEGLI benefits are limited or lost, while a private policy stays with you.

  • Private Life Insurance Saves You Money – Many federal employees replace FEGLI Option B with a private term or whole life policy and pay less for better coverage.

  • Term Life Insurance: Covers you for a set period (10, 20, or 30 years), providing affordable, high coverage for your family.

    Whole Life Insurance: Provides lifelong coverage, builds cash value, and can be used for retirement planning or wealth transfer.

  • A general rule is 7-10 times your salary to cover mortgage, debts, living expenses, and future needs for your family. We help federal employees find the right amount of coverage based on their specific situation.

  • Private life insurance is often cheaper than FEGLI and provides locked-in rates that don’t increase as you age. Plus, it’s customizable and stays with you even if you leave federal service.

  • Yes! We work with top-rated insurance providers who offer flexible underwriting. Even if you have pre-existing conditions, we can help you find coverage that works for you.

  • Absolutely! Whole life insurance builds cash value, which grows tax-free and can be used for supplemental retirement income, emergencies, or legacy planning.

  • Unlike FEGLI, our private life insurance policies stay with you, no matter where you work. You’ll have continuous protection for your family.

  • It’s simple! Schedule a free consultation, and we’ll help you compare term and whole life options to find the best coverage for your needs.

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