Life Insurance for Federal Employees
If you’re tired of rising FEGLI costs and confusing coverage options, you’re not alone. While FEGLI is often the default choice for federal employees, it becomes increasingly expensive every five years as you age and with each pay raise. Many employees contribute to FEGLI for decades, only to be priced out later in their careers or during retirement—often leaving them without coverage and with no accumulated value.
Key Benefits of This Life Insurance Plan
This life insurance solution offers several powerful advantages over traditional FEGLI coverage:
- Level premiums designed to never increase, remaining the same up to age 121
- Protection from age‑based and salary‑based premium hikes
- Tax‑favorable cash value growth over time
- Access to cash value during your lifetime
- Powerful living benefits for serious health events
- Coverage that can last into retirement
- Greater flexibility and control than FEGLI
These features make this policy a long‑term financial asset—not just an expense.
Why This Matters for Federal Employees
FEGLI premiums increase every five years as you age, and coverage costs rise as your salary grows. Over time, many federal employees find that FEGLI becomes unaffordable precisely when they need it most. As a result, coverage is often reduced or canceled in later years, leaving families exposed.
This alternative life insurance solution is designed to avoid that outcome. By locking in level premiums, you gain predictability and stability—allowing you to plan confidently without worrying about future cost increases or losing coverage during retirement.
Level Premiums That Stay the Same
One of the most significant benefits of this life insurance policy is level premiums that are designed to remain the same all the way to age 121. Unlike FEGLI, premiums do not increase based on age, salary, or career advancement.
This creates long‑term affordability and makes it easier to maintain coverage throughout your working years and into retirement—when income may be more fixed.
Cash Value That Grows Over Time
In addition to lifelong protection, this policy builds tax‑favorable cash value over time. As the cash value grows, it earns interest and becomes a flexible financial resource you can use in several ways:
- Borrow against it for emergencies or opportunities
- Use it to help pay future premiums
- Cash it out if needed
- Supplement retirement income
- Provide an additional financial cushion later in life
Unlike FEGLI, which offers no cash value, this policy allows your premiums to work for you.
Living Benefits When You Need Them Most
This life insurance policy includes powerful living benefits, giving you access to a portion of the death benefit while you’re still living if you experience a qualifying critical, chronic, or terminal illness.
These benefits can help cover medical expenses, household bills, lost income, or long‑term care needs—providing financial relief during some of life’s most challenging moments. This added protection brings flexibility and peace of mind that traditional life insurance often lacks.
A Smarter Approach to Retirement Planning
For many federal employees, life insurance is not just about protection—it’s also about planning. This policy is designed to integrate into your broader retirement strategy by offering stable premiums, lasting coverage, and access to cash value when it may be most useful.
By avoiding FEGLI’s rising costs and lack of accumulated value, this solution helps preserve assets, protect your legacy, and support financial independence in retirement.
Designed for Stability, Built for Flexibility
This life insurance option is designed for federal employees who want certainty, control, and long‑term value. It delivers protection without surprises and flexibility without complexity—making it a dependable foundation for your family’s financial security.
Take Control of Your Life Insurance Strategy
Life insurance should protect your family, not become a financial burden over time. With a plan designed to eliminate rising costs, build value, and provide living benefits, you can move forward with confidence knowing your coverage is working for you at every stage of life.
We help federal employees evaluate their current FEGLI coverage, identify gaps, and design life insurance solutions that align with their long‑term goals. With the right plan in place, you can secure lasting protection—without the uncertainty of rising premiums.
