What we offer
- Life insurance: a private plan that sits alongside the coverage you already have.
- Short-term disability insurance: income that keeps coming in after your paid leave runs out.
- Critical illness insurance: a cash payment to you if you're diagnosed with a covered condition.
- Annuities: dependable retirement income alongside your pension and savings.
Which plans are open to you depends on your agency, your age and where you live. On one call, we'll show you every option that fits.
How payroll allotment works
An allotment is a voluntary deduction you set up from your federal paycheck. Once it's in place, your premiums are paid automatically each pay period, so there's nothing to remember. Using one is your choice, you can stop it, and it does not make a plan a government plan.
Carriers confirm eligibility with proof of federal employment. We'll tell you exactly which forms your plan uses and help you complete each one, including the allotment.
Who we are, and who we are not
Premier Protection is a family owned, independent and licensed insurance agency. We are privately owned and not part of the government, and the plans we offer are separate from FEGLI and every other federal benefit program. Learn more about us.
The federal programs, explained
Health, dental and vision, life insurance and long-term care: our guide to federal employee insurance walks through each OPM program and the gaps it can leave.
Common questions
Can you keep FEGLI and add a private plan? What happens when you retire? How can you check that an agent is licensed? Find the answers in our federal employee FAQ.
Curious how your coverage compares with what's available? Request a call. It's free, and there's never any obligation.