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FEGLI & Insurance

Death Benefits for a FERS Employee

Death Benefits for a FERS Employee: What Survivors Receive

What a FERS employee's spouse and children receive at death: FEGLI, the survivor annuity, the current BEDB, TSP and Social Security.
Guide to Federal Employee Group Life Insurance (FEGLI) in Retirement

Guide to Federal Employee Group Life Insurance (FEGLI) in Retirement

How FEGLI Basic and Options A, B and C work in retirement, with OPM's current premiums and when keeping coverage can make sense.
Should I Buy Long-Term Care (LTC) Insurance?

Should I Buy Long-Term Care (LTC) Insurance? A Guide for Federal Retirees

How federal retirees can weigh long-term care risk, the three ways to pay for care, and what the FLTCIP enrollment suspension means for you.
The Problem With Having No Life Insurance

The Problem With Having No Life Insurance in Retirement

Why federal retirees shouldn't rule out life insurance: how losing one spouse can cut household income by 39% and what that means for TSP withdrawals.
Survivor Annuity Versus Life Insurance

FERS Survivor Annuity Versus Life Insurance

A fee-only planner who doesn't sell insurance compares the FERS survivor annuity with life insurance: FEHB, guarantees, taxes, COLAs and cost.
Save Money on Life Insurance by Layering

Save Money on Life Insurance by Layering Term Policies

Layering several term policies instead of one 30-year policy can cut the cost of life insurance for families who are paying down debt and saving hard.