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We Plan Your Better Tomorrow
Financial Security
Protect your loved ones by establishing a strong financial foundation that supports them during difficult times.
Death Benefit Payout
Provide a guaranteed financial payout to your beneficiaries, ensuring peace of mind when it's needed most.
Flexible Coverage Options
Access a range of life insurance plans tailored to your specific needs, lifestyle, and long-term goals.
Comprehensive Protection
Enjoy complete financial cover that shields your family from life’s uncertainties and unexpected challenges.
Calculate Your Paycheck or Discover Your Perfect TSP Plan
We Connect You With the Best Independent Advisors
Prepare and Protect Before It’s Too Late
Choosing the best life insurance for federal employees is not just about protection—it’s about planning for the future. Life insurance plays a key role in retirement planning. Under Internal Revenue Code Section 7702, these policies offer tax advantages and can even supplement your pension.
They may also accumulate cash value over time, providing accessible funds for emergencies or retirement. With proper integration into your overall strategy, life insurance provides lasting financial security and peace of mind.
At Federal Pension Advisors, we connect you with qualified advisors who specialise in federal employees group life insurance:
- Receive guidance tailored to your unique circumstances
- Understand both term and permanent life insurance options
- Learn the pros and cons of each plan in a simple, transparent manner
- Collaborate closely with experts who genuinely care about your future
- Get accurate financial assessments and personalised policy recommendations
What Is Life Insurance for Federal Employees?
Life insurance for federal employees encompasses a wide array of coverage options, including both individual and group policies. One of the most recognised programmes is the Federal Employees Group Life Insurance (FEGLI), administered by the Office of Personnel Management (OPM).
FEGLI is a group term life insurance scheme designed exclusively for federal employees and retirees, offering essential financial protection that aligns with the unique structure of federal benefits.
Our advisors help you:
- Explore both private and government-provided life insurance options
- Navigate the complexities of federal benefits with ease
- Choose a plan that suits your needs, lifestyle, and long-term objectives
Why Choose Federal Pension Advisors for Life Insurance?
Empowering Federal Employees to Build Secure
Navigating life insurance decisions can be overwhelming but you don’t have to do it alone. Our independent advisors specialize in federal benefits, Social Security, and tax-optimized strategies to ensure your coverage evolves with your financial goals. We provide lifelong support through regular policy reviews, ensuring your plan stays aligned with your changing needs.
Life Insurance Decisions Causing Stress? We’re With You Every Step
Our advisors offer ongoing, lifetime support. Your journey doesn’t end once a policy is purchased. We conduct regular reviews to ensure your policy remains aligned with your evolving needs.
Unsure If Your Coverage Will Grow With You?
Our network of advisors are experts in federal pensions, Social Security, and tax-optimised strategies. They ensure your life insurance complements your entire retirement and financial plan, helping you maximise your federal benefits.
Independent, Unbiased Advice
Many advisors recommend plans that benefit them—not you. Our federal employees group life insurance advisors operate independently. Their guidance is entirely in your best interest, giving you transparent and trustworthy insights every step of the way.
Don’t Miss Out on Crucial Financial Opportunities
We’re here to honour your service by helping you build a safe, prosperous future. With a tailored life insurance plan in place, you’ll be free to focus on your goals—knowing you have the full support of professionals who care.
Other Services
Investment Advice
Our trusted advisors guide you in making smart, long-term investment decisions tailored to your risk profile and future goals.
Benefits Optimisation
Navigate the complexities of FERS and CSRS with ease. Ensure you're getting the most out of your retirement benefits.
Wealth Management
Protect and grow your wealth through comprehensive, personalised strategies that support cash flow, capital preservation, and long-term financial health.
Retirement Planning
Our advisors will work with you to design a retirement strategy that covers all the essentials—retirement savings, asset allocation, income planning, and more.
403(b) Plan
Explore 403(b) plans designed for public sector employees. Reduce taxable income and grow your retirement savings with pre-tax contributions.
Begin Your Federal Retirement Journey Today
Let Federal Pension Advisors help you take the next step with clarity, confidence, and care.
Start Your Financial Planning Today in 3 Easy Steps
1
Find the Right Advisor
We connect you with an experienced, independent advisor specialising in federal employees group life insurance. They will assess your financial goals and risk tolerance.
2
Explore Tailored Solutions
Your advisor will present personalised insurance options and explain the benefits and limitations of each, helping you make a confident, informed choice.
3
Develop Your Personalised Plan
Work together to create a custom life insurance plan that fits seamlessly into your overall retirement and financial strategy.
Read Our Latest Blogs
February 16, 2026
C Fund in TSP: What It Is, How It Performs, and How It Affects Federal Employees
For federal employees planning retirement through the Thrift Savings Plan, understanding where your money is invested matters just as much as how much you contribute. Among the available investment options, the C Fund often gets the most attention. It is growth-focused, market-driven, and closely tied to the performance of the U.S. economy.This guide breaks down what the C Fund in TSP is, how C Fund TSP performance has looked historically, the risks involved, and how it can impact the long-term financial future of federal employees.
Read More
February 12, 2026
Understanding Your Thrift Savings Plan (TSP): Tips, Mistakes to Avoid & Allocation Strategies
For many federal employees, the Thrift Savings Plan is the largest asset they will ever own outside their home. Yet it is also one of the most misunderstood parts of federal retirement planning. People contribute regularly, glance at balances occasionally, and assume everything will work out. The reality is that small decisions inside your TSP can create very different retirement outcomes.
Read More
February 10, 2026
IRMAA for Federal Retirees: How Medicare Surcharges Work and How to Lower Your Premiums
For many federal retirees, Medicare feels straightforward until premiums suddenly jump without warning. You enroll, you budget, and then a letter arrives saying you owe more than the standard amount. No mistake. No appeal explained upfront. Just higher deductions.That increase is usually caused by IRMAA, and it catches thousands of federal retirees off guard every year.
Read More