Blog

Most Americans underestimate their need for federal disability insurance, assuming illness or an accident can never happen to them. Here are essential points about disability insurance that are widely misunderstood. Why Disability Insurance Should be More Common? One of the reasons why many young people don’t think they’ll need federal disability insurance is because they believe they won’t get into

Read more

A TSP (Thrift Savings Plan) is a retirement investment plan exclusively available to federal government employees and members of the U.S. uniformed services. This defined-contribution plan provides federal employees many of the benefits private-sector employees enjoy. A Thrift Savings Plan is similar to a 401(k) plan in many ways. However, TSP investment options carry some degree of risk ranging from

Read more

Before issuing life insurance coverage, insurance providers typically require you to undergo a medical underwriting process to determine risk factors and set premiums accordingly. The process generally entails a thorough review of the applicant’s medical history. If you’re deemed high-risk, the insurer may deny you coverage altogether. This is where guaranteed issue life insurance comes into play. Also referred to

Read more

Life insurance eliminates financial uncertainty associated with the death of a breadwinner. If you work for the federal government, you should consider getting this financial safety net through Federal Employees’ Group Life Insurance (FEGLI). The program lets you select the right amount of coverage for your needs. Here’s a look at the FEGLI program and how it can benefit you

Read more

When a patient is receiving treatment for a significant medical emergency, their primary focus is to heal, return to their family, and rediscover their joy as soon as possible. Sadly, severe conditions like a heart attack or cancer are costly to treat. As a result, most patients who recover may have to deal with untold mental and financial distress. Since

Read more

Retirement is a time to relax and enjoy the benefits of your decades’ worth of hard work. Relaxing, traveling, and other fun activities with your family would be the only things to worry about, except when your loved ones depend on you for their upkeep. Life insurance is one way to provide for their needs even after you are gone.

Read more

Today, due to the rising medical costs and lack of emergency savings, many workers lack adequate disability insurance. Without sufficient income protection, many workers would fall into hard times if they cannot work due to injury, illness, or pregnancy-related disability. Therefore, disability insurance for federal employees is invaluable in careers in high-stress and high-risk. Here’s more detailed information on this

Read more

Life insurance is vital for families, including families where both partners earn an income. Initially, you may think you can rely on the surviving partner’s income, so you don’t need life insurance, but that may not be the best way to look at the issue. This is because, if yours is a dual-income household, your family is likely used to

Read more

Retirement planning is the process of figuring out your retirement goals and the decisions and steps necessary to attain those goals. Planning for retirement should be a life-long process. Ideally, it would be best if you started as you get your first paycheck. However, starting your retirement planning at the earliest time possible is the best way to ensure a

Read more

Research from the Council for Disability Awareness shows that 5% of workers in the U.S. experience some type of disability due to illnesses, injuries, or pregnancy. If you’re unable to work because of a disability, you will likely find it difficult to survive, mainly if you entirely depend on the income from your regular job. However, with the right disability

Read more