Understanding all of your benefits and options can be overwhelming. BSA and Associates can help!

FEGLI and Options
Your group term FEGLI Life Insurance can be very confusing and disappointing once finally understood. While you have many options to choose from during your career and at retirement, the fact remains that most employees can do far better with other individual plans on the outside.

Survivor Benefits and Options
When you are ready to retire you will have to make many decisions of which the survivor benefits and expenses (your cost/premium) can be the most misunderstood and disturbing. The premiums charged for this benefit is very expensive in relation to the potential benefit.

Q: What's wrong with my survivor benefits?

A: There is no value or return of premium, no secondary beneficiaries, and if your spouse predeceases you, thousands of dollars have been spent for absolutely nothing.

Q: What is the alternative?

A: For decades, Federal employees have used various types of their own personal Life Insurance to solve this problem. Typically, the employee is able to save thousands of dollars while passing on far greater benefits to their spouses and other beneficiaries.

A guaranteed Life Insurance program works best for most people. A minimum survivor benefit may be necessary to guarantee health benefits to your spouse upon your death.