Insurance that puts your family first.
We're a family owned, independent agency helping federal employees, retirees and families protect their income, the people they love and the retirement they've worked for. Every option is explained in plain English, by phone or video, at a time that suits you.
Request a call Schedule a time
Prefer to talk now? Call 888‑486‑7415. Inquiries are welcome from every state. Phone and video appointments are available by arrangement.
For the people who keep the country running
Nurses, firefighters, engineers, mail carriers, analysts, park staff and many more. You spend your career looking after everyone else. We help make sure your own family is looked after too.
- Private plans that only federal employees can join, paid by payroll allotment if you choose.
- A clear, side-by-side look at how they fit with the coverage you already have through work.
- Help with every form, including setting up the allotment.
See plans for federal employees
Premier Protection is privately owned and independent. We are not part of the government, and the plans we offer are separate from FEGLI and every other federal benefit program.
All your federal benefits, together in one free review
Your benefits are valuable, but they are spread across different programs, statements and rules. We bring them together, walk you through them on a call and help you plan the years ahead with confidence.
- Pension and survivor benefits: an estimate of your FERS or CSRS annuity, and what each survivor option costs.
- FEHB and FEGLI: what it takes to keep them in retirement, and how the cost changes as you age.
- Your TSP as income: how withdrawals can work beside your pension. We don't give fund advice.
- Your retirement application: free help completing it when the time comes.
How it works
No office visits and no pressure. Just one clear conversation by phone or video, at a time that works for you.
- Tell us what matters most. The short form takes about a minute.
- Talk it through with a licensed agent. Get honest answers and your options side by side.
- Decide with confidence. We help with every form, and we're still here after you enroll.
Coverage for every stage of life
Each kind of coverage protects something different: your family's future, your paycheck, your savings or your retirement income. Start with what matters most to you today.
- Life insuranceLife insurance pays a benefit to the people you name when you die, so they can stay in their home, keep plans on track and take care of each other. The right type depends on how long you need coverage, what fits your monthly budget and your health today.
- Short-term disability insuranceShort-term disability insurance pays a weekly or monthly benefit when a covered illness or injury keeps you off the job. It helps keep the bills paid while you focus on getting better, after your paid leave runs out.
- Critical illness insuranceCritical illness insurance pays you a lump sum if you are diagnosed with a condition the policy covers. Common examples are heart attack, stroke and cancer; the exact list depends on the policy.
- Annuities for retirement incomeAn annuity is a contract with an insurance company. You pay in a lump sum or over time, and in return the insurer credits interest and can pay you income, including income for life, so retirement feels steadier.
Why families choose Premier Protection
- Family owned and operated. We're a family business, and we treat every client like part of ours. For more than 10 years we have served federal employees, retirees and families.
- Independent, so we work for you. We compare plans from several carriers instead of selling one company's products, and show you what genuinely fits.
- Honest, no-pressure advice. We listen first, explain your options plainly and answer every question. The decision is always yours.
- Here for the long run. We stay with you after you enroll, through renewals, life changes and questions, wherever you live in the country.
Carriers we work with
We are an independent agency contracted with these insurers. Plans and availability vary by state.
Not sure where to start?
That's exactly what the first call is for. Tell us what's on your mind, and we'll help you work out the next step together.