FEGLI-Federal Employee Group Life Insurance is what the VA offers the new employee when they are employed. The VA’s life insurance is bad for many reason’s:

1. After age 35, it starts going up in price every 5 years…, every time you get a step increase…. And every time you get a cost a living increase.  You just got a 4.6% cost of living in January.  If you are still in FEGLI, then you did not that full amount.
2. The more $$$ you make, the more you pay for FEGLI
3. From age 35 to 65, FEGLI goes up 2,000%
4. $0 cash value.  When you retire, you get no money back.
5. You are renting a life insurance policy
6. Children drop off at age 22.  OPM will continue to take $$ out of your check unless you cancel it.

Union’s Universal Life Insurance- Reasons to switch over:

1. The cost is based on your age and health
2. Your premiums are locked in for the rest of your life.  They never go up!
3. It builds cash for you into retirement.  After 15 years, you have full access to the cash growing inside the policy.
4. The Union’s insurance works like a Roth IRA
5. The policy can pay for itself after it’s been established and there’s money in the policy to fund it.
6. You can get policies on your spouse and children.  You can be the owner of the policy.
7. These policies have Critical and Terminal Riders built into them to use if you are needing cash for chronic or terminal issues.
8. NO MEDICAL UNDERWRITING- We have a guaranteed issue life insurance for up to 150k for the member, 30k for the spouse, and 20k for the kids to age 26

I have attached the brochures for the Union’s Life Insurance.  I have attached 2 F&G brochures and 2 Allstate, which is the NO MEDICAL UNDERWRITING.

I am also attaching an application along with my QR CODE so you can schedule an appointment with me if you can’t make it on Friday.

Thank you for taking care of our veterans.

Risa Roberts

573-286-1125

F&G Brochure F&G Everlast Prochure Allstate (3) Allstate (2)