Beyond FEGLI — Life Coverage That Grows With You
Federal employees receive basic life insurance through FEGLI, but it's often insufficient, and premiums skyrocket after age 65 while coverage shrinks. GRS specialists assess your current coverage, identify gaps, and supplement it with affordable term or permanent life insurance from 50+ carriers.
Whether you need income replacement, mortgage protection, or estate planning tools, we find the right policy at the right price for your family's specific situation.
The FEGLI Problem
FEGLI Basic coverage is only 1x your salary. Financial experts recommend 8–10x income for families with dependents. FEGLI Options B and C become very expensive after age 60 and reduce significantly at 65.
Private term insurance locks in rates before health changes and typically costs far less per unit of coverage than aging FEGLI options.
Life Insurance Solutions We Offer
Term Life Insurance
Affordable coverage for a set period, ideal for income replacement during peak earning and family-raising years.
Whole Life Insurance
Permanent coverage with a guaranteed death benefit and cash value that grows tax-deferred over time.
Universal Life Insurance
Flexible premiums and adjustable coverage that adapts to your changing financial needs throughout your career.
Cash Value Access
Permanent policies let you borrow against accumulated cash value for emergencies, education costs, or retirement income.
Spouse & Child Coverage
Bundle family coverage to protect every member under coordinated, affordable premium structures.
Guaranteed Issue Options
Some carriers offer coverage with no medical exam required, ideal for employees with health concerns.
Why Government Employees Need Supplemental Life Coverage
Insufficient FEGLI Coverage
1x salary barely covers a year of family expenses. Most families need 8–10x income in life insurance to truly protect their financial future.
FEGLI Premiums Spike at Retirement
FEGLI Basic costs nearly triple between age 60 and 70. Many retirees are forced to drop coverage exactly when they need it most.
Coverage Doesn't Follow You
Leaving government service typically means losing group coverage. A private policy ensures continuous protection regardless of employment status.
No Cash Value Accumulation
Term group coverage builds no financial asset. Permanent life insurance creates a growing cash value that can supplement retirement income.
Get the Right Life Insurance Coverage Today
A GRS specialist will review your FEGLI coverage, identify gaps, and compare options from 50+ carriers to find your best combination of coverage and cost.
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