Navigate Your Benefits. Fill the Gaps. Retire with Confidence.

Most federal employees receive a thick enrollment packet and very little explanation. Christine's team produces personalized Summary of Benefits guides — clear, plain-language breakdowns of FERS or CSRS pension projections, TSP fund options, FEGLI coverage analysis, and FEHB health benefits in one comprehensive reference. Provided at no cost.

• Personalized guide covering all federal benefit programs in plain language
• Side-by-side comparison of current elections vs. optimal elections
• FERS and CSRS pension projections based on actual service record
• FEGLI coverage analysis with cost-per-thousand breakdowns by age
• TSP fund allocation review and contribution gap analysis
• Provided at no cost — education first, no sales pressure

Federal employees have no short-term disability coverage. If you are unable to work due to illness, injury, or surgery, your paycheck stops — or you burn through sick leave and annual leave you have spent years accumulating. Short-term disability insurance replaces 60–70% of your base income during a covered disability, typically for 3–6 months.

• Replaces 60–70% of base income during a covered disability
• Benefits begin after a 14–30 day elimination period
• Covers illness, injury, surgery recovery, and qualifying conditions
• Preserves your sick leave and annual leave balances
• Available through payroll deduction
• Supplements FMLA leave, which protects your job but not your paycheck

FEGLI life insurance is tied to federal employment. When you leave federal service — through retirement, resignation, or a career transition — FEGLI coverage either ends or converts at significantly higher cost. Individually owned private life insurance is not tied to employment status. It remains in force through any career change, at premiums locked in at the time of issue.

• FEGLI coverage ends or converts at much higher cost upon separation
• Individually owned policies are not tied to employment status
• Premiums locked in at issue — never increase with age or health changes
• Coverage remains in force after retirement, resignation, or career change
• Cash value policies build wealth while providing lifelong protection
• Ideal for employees considering private sector transitions or early retirement

Even with FEHB coverage, federal employees face out-of-pocket costs from deductibles, copays, and coinsurance. Supplemental health products — accident insurance, hospital indemnity, and critical illness — pay cash benefits directly to you, not to a provider, giving you the flexibility to cover any expense during a health crisis.

• Cash paid directly to you — use it for any expense
• Accident insurance: covers ER visits, fractures, dislocations, and injuries
• Hospital indemnity: daily cash benefit for each day hospitalized
• Critical illness: lump-sum payment on cancer, heart attack, or stroke diagnosis
• Benefits paid in addition to your FEHB coverage
• Affordable premiums — often available through payroll deduction

Your FERS pension and TSP are strong foundations — but they may not be enough to maintain your lifestyle in retirement, especially with rising healthcare costs and inflation. Indexed Universal Life (IUL) and fixed indexed annuities provide tax-deferred or tax-free supplemental retirement income with no IRS contribution limits and no required minimum distributions.

• IUL: cash value linked to market indexes with a 0% floor
• Policy loans in retirement are not counted as taxable income
• No required minimum distributions (RMDs) at age 73
• No IRS annual contribution limits — unlike TSP and IRAs
• Fixed indexed annuities: guaranteed income you cannot outlive
• Complements FERS pension, Social Security, and TSP withdrawals

Whole life insurance provides lifelong death benefit protection and builds guaranteed cash value every year at a fixed rate — regardless of market conditions. For federal employees, it serves as a stable, guaranteed savings vehicle that complements the market-linked growth of TSP and IUL, and provides a tax-free death benefit outside of probate.

• Coverage lasts your entire lifetime — never expires
• Guaranteed cash value growth every year at a fixed rate
• Policy loans available for any purpose, tax-free
• Premiums fixed at issue — never increase
• Death benefit passes to heirs income-tax-free and outside of probate
• Participating policies may earn dividends that accelerate cash value