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GEBA vs FEGLI vs FegliPLUS

November 3, 2018 by Dennis

   GEBA  vs  FEGLI  vs  FegliPLUS

Our unique GEBA vs FEGLI vs FegliPLUS comparison can save you 30-80%.

Federal Employee Group Life Insurance….. FEGLI Option B …. has long been known to be an overpriced source of optional life insurance for healthy federal employees…..

“The Government Accounting Office reported in April of 1986 that the FEGLI program is inferior to many private plans”

Federal employees have long sought meaningful alternatives to the FEGLI Option B.

Many federal employees have turned to Government Employees’ Benefit Association……GEBA.

A direct comparison shows that  GEBA insurance and FEGLI Option B are group plans with increasing premiums.

GEBA’s rate increases can be as much as 400% in only 15 years!

FEGLI Option B rates can increase up to 500% in only 15 years!

At age 65,  GEBA’s premiums remain level but death benefits begin decreasing  every five years.

GEBA’s premiums are frequently 10-20% lower than FEGLI Option B.

In addition to the increasing premiums, a built in problem is GEBA’s decreasing death benefit.

The GEBA death benefit drops significantly beginning at age 65 and continues to decrease every five years.

Healthy federal employees can now consider FegliPLUS, a new approach to individual life insurance.

FegliPLUS  locks in guaranteed, low cost premiums AND death benefits for 15, 20 or even 30 years.

It also includes substantial lump sum payouts for Critical Illness and Chronic Care.

  Covered conditions may include cancer, heart attack, stroke, kidney failure, blindness, Parkinson’s, organ transplants, paralysis, ALS, MS, dementia and Alzheimer’s.

These direct comparisons illustrate how FegliPLUS can reduce your premiums by 50-80% AND guarantee level premiums AND guarantee level death benefits AND include substantial lump sum coverage for Critical Illness and Chronic Care conditions.

GEBA vs WAEPA vs FegliPLUS:

  • Female age 45 – Preferred
  • Male age 45 – Preferred
  • Female age 50 – Preferred
  • Male age 50 – Preferred
  • Female age 55 – Preferred
  • Male age 55 – Preferred
  • Female age 60 – Preferred
  • Male age 60 – Preferred

A 60 second inquiry could save you $150,000!

GEBA  vs  FegliPLUS Quote Request

One client actually saved $560,000!

FegliPLUS rates are based on a preferred rate class and could be higher or lower based on your personal profile.

Please note GEBA’s decreasing death benefit beginning at age 65

As a convenience and to verify our comparisons, please visit  Government Employees’ Benefit Association

Additional Plans:

FedAdvantage Disability Insurance

FedAdvantage Accident Insurance

FegliPLUS is not affiliated with the federal government or OPM

Filed Under: critical illness, fedadvantage, fegli, fegli calculator, fegli opton B, fegliplus, FERS, GEBA, GEBA insurance, News, waepa, WAEPA insurance Tagged With: allfeds, fedadvantage, fegli, fegli calculator, fegli option b, fegliPLUS, fers retirement, geba, geba vs fegli, government life insurance, waepa, waepa vs fegli

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  • FedAdvantage Policies
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    • Critical Illness
    • Long Term Disability
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  • Testimonials