We are a group of professional insurance agents specializing in providing disability income protection, life and accidental death insurance products specifically developed for federal and postal employees and their families. With more than 50 years combined experience working with federal employees across the United States, we have the knowledge to
Your income, and ability to work is your most valuable asset.
The federal government does not offer disability insurance.
If you lost your ability to work today, due to a disability, what would you do?
Would you have enough leave or other financial resources to get you through a disability?
Many federal employees think that they have a substantial amount of annual or sick leave. However, many times, the reality is, it's just not enough. Think about it this way. 480 hours of leave sounds like a whole lot of leave, but when you break it down, it's only 12 weeks or 3 months. Are you financially prepared if you need to be out longer than the amount of leave you have will carry you due to a covered sickness, accident, pregnancy or surgery? Do you have any leave at all? If you are like most, this is a valid concern.
Disability Income Insurance
is your answer...
Find out just how affordable it is below:
Federal Disability Insurance
For Rates and to Apply Online Visit:
Disability Insurance Enrollment Application
Life Insurance Options
The FEGLI (Federal Employee Group Life Insurance) provides group term life insurance while you are working for the government. If you leave, you will lose it. Don't be surprised at retirement. If you stay and retire, you should be aware of what happens to FEGLI.
Do your due diligence by going to:
OPM FEGLI Life Insurance Calculator
For most, FEGLI does not provide substantial, permanent coverage. We offer some very popular life insurance programs that are specifically designed for federal and postal employees. One of the most popular is the paid up, reduced whole life insurance policy. That means, upon the year it is paid up, you no longer pay premiums, yet, you still have a policy. You can see why it is so popular.
For further information and the rates for you and your family's life insurance options, please contact us at
804 294-0335.
Cancer or Critical Illness Insurance
No one wants to think about needing cancer or critical illness insurance, but the necessity of these benefits are become a reality for many in the workforce. Are you prepared if you unfortunately are diagnosed with a life threatening disease such as cancer, heart problems, strokes or other serious health issues? Having extra money during these times an help you make ends meet, pay for costly deductibles, or even alternative treatment. You can do what you wish with the money.
You'll find that these insurance coverages are very affordable for most everyone and can include your spouse and minor children in many cases.
Money does not solve all of our problems, but it sure helps give us peace of mind when we are not feeling well.
We can give you a quick quote and information by contacting us at 804 294-0335.
Senior Benefits Specialist: Teri Hanson
Licensed and contracted by:
Federal Employees Benefit Association (FEBA)
Phone: 804 241-9964
Address:
Insurance and Benefits Group
PO Box 242
Waldorf, MD 20604