Welcome to allFeds where federal employees can enhance their benefits and save money.


At allFeds we concentrate on enhancing benefits in four areas...life insurance, supplemental long term disability insurance , long term care insurance, and critical illness benefits. In each area our goals are simple...to improve your coverage, reduce your costs and secure your financial protection.
AllFeds.com is privately owned and is not operated by or endorsed by the federal government or OPM.

Announcing SeniorFeds.com.....where active or retired federal employees over age 55 can review, compare and adjust their insurance portfolio to fit their changing needs.

Life Insurance

FEGLI Open Season….Do Your Homework!

By using our unique FEGLI Option “B” calculator, you can compare your FEGLI Option "B" with the top carriers in the country including Banner, Prudential, Principal, Protective, American General, ING/Reliastar and Transamerica. In most cases, you can reduce your FEGLI "B" costs by 50-80%.

FEGLI “B” rates can increase as much as 529% over a fifteen year period!

Life Insurance →

Long Term Disability

MetLife has revised and improved their FedAdvantage supplemental Long Term disability Insurance plan. The new FedAdvantage now offers three choices, Short Term Disability Insurance payable for up to twelve months, Long Term Disability Insurance payable up to age 65 and a new combined plan offering coverage after only 30 days with benefits payable up to age 65. The new FedAdvantage plan replaces 67% of salary with benefits up to $10,000... tax-free. The FedAdvantage plan is a guaranteed acceptance plan with no medical exam required.

Now, all civilian federal employees have the opportunity to protect their most valuable asset, their income, against an unforeseen, catastrophic event.

Long Term Disability →

Long Term Care

NEW!... OPM has announced their renewal for the Federal Long Term Care Insurance Plan or FLTCIP. While the average increase is only 83%, many policy holders will receive rate increases of 126%! We offer comparisons with top carriers, including Mutual of Omaha, Genworth, Transamerica, John Hancock and Prudential. We also offer supplements which can "fill in the gaps" for the 90 day home health care waiting period.

Long Term Care →

Critical Illness

allFeds now offers Critical Illness insurance and Hospital Indemnity Insurance from the top carriers in the industry. Federal employees can now supplement their federal benefits with individual programs specifically targeted to fit their needs. Critical Illness Insurance pays lump sum benefits up to $500,000 for such conditions as heart attack, stroke, cancer, coma or Alzheimer’s. Hospital Indemnity Insurance will provide up to $1,000 per day for hospital confinement with additional benefits for intensive care, surgery, doctor visits and even pet care while hospitalized.

Critical Illness →

allFeds Blog

Home Health Care Insurance

November 13th, 2016  |  Published in Uncategorized

Finally…..an affordable, comprehensive, Home Health Care Insurance plan for federal employees with mild or even serious health concerns.

If you currently have the FLTCIP plan….who pays your 90 day deductible for home health care?

Plan highlights may include the following..

  • $150 per day for eligible home health care expenses for 360 days
  • $50,000+maximum benefit
  • $50,000+ additional adult day care benefit(Texas only)
  • $40 per day additional for a certified home health care aide
  • $80 per day for in-hospital private duty nurse
  • $50 per day for home hospice
  • $250 annually for prescription drugs
  • $150 annually for a routine medical exam
  • $250 hearing benefit
  • $  75 vision care
  • Guaranteed renewable for life
  • Near Guaranteed issue….no exams……only two questions
  • Policies issued within 3-5 days
  • Issue ages 40-85

For your state specific brochure, outline of coverage and E-Z enrollment package, contact us at….Allfeds.com

If you have friends, parents or co-workers who may benefit from such a comprehensive and affordable plan, please forward this email to their attention.

FEGLI Open Season…..Do Your Homework!

August 8th, 2016  |  Published in federaal health insurance, federal government insurance, federal life insurance, federal long term care insurance, federal retirement, fegli, fegli open seson, fegli option b, fers retirement, FLTCIP rate increase, life insurance, life insurance for women, long term care insurance, Uncategorized

Healthy Senior Federal Employees Should Beware during FEGLI Open Season!

OPM has announced an open season for Federal Employee Group Life Insurance, FEGLI program. Beginning September 1, 2016, eligible federal employees will be able to increase their FEGLI benefits without regard to medical concerns.

FEGLI Option “B” allows federal employees to insure 1-5 times salary. Before exercising this option, healthy employees should consider the following:

  • FEGLI Option “B” rates increase 82% at age 55
  • FEGLI Option “B” rates increase 120% at age 60
  • FEGLI Option “B” rates increase 23% at age 65
  • FEGLI Option “B” rates increase 78% at age 70
  • FEGLI Option “B” rates increase 88% at age 75
  • FEGLI Option “B” rates increase 47% at age 80

In light of the recent concerns and uproar regarding huge rate increases of up to 126% for the Federal Long Term Care Insurance Plan, FLTCIP, healthy federal employees should carefully consider these much larger increases under FEGLI Option “B”.

Total FEGLI Option “B” 15 year rate increases from the following ages:

  • Age 45529% increase over next 15 years
  • Age 50 392% increase over next 15 years
  • Age 55380% increase over next 15 years
  • Age 60309% increase over next 15 years
  • Age 65389% increase over next 15 years

By shopping for coverage with our top commercial carriers, the guaranteed savings can be unbelievable. One of our clients actually saved $560,000 in premium…..really!

Comparing $500,000 20 Year Term, with FEGLI Option “B”, a healthy female employee can save the following:

  • Age 50Guaranteed twenty year savings of $ 67,000 or 81%
  • Age 55Guaranteed twenty year savings of $115,000 or 83%
  • Age 60Guaranteed twenty year savings of $203,000 or 83%
  • Age 65Guaranteed twenty year savings of $311,000 or 81%

For your free FEGLI Option “B” comparison, visit AllFeds.com

Federal Long Term Care Insurance Plan rates increase up to 126%!

July 28th, 2016  |  Published in federaal health insurance, federal government insurance, federal life insurance, federal long term care insurance, federal retirement, fegli, fegli option b, fers retirement, FLTCIP rate increase, long term care insurance

Federal Long Term Care Insurance Plan or FLTCIP increases rates up to 126%!

OPM has announced the 2016 renewal rates for existing policy holders. While a small percentage of older enrollees will receive no increase and the average increase is 83%, many enrollees will receive the maximum increase of 126%!

The enormous increase leaves many in the unfortunate position of having to reduce their benefits to maintain their current premiums or pay the new rates simply to maintain their plan.

In addition to the higher rates, all enrollees are still faced with substantial costs up front due to the 90 day elimination period. For those with a $200 daily benefit, that 90 day elimination period amounts to an $18,000 out of pocket expense or “deductible” before any plan benefits are payable.

AllFeds offers commercial plans with zero day elimination…..benefits are payable from day one whether at home, in an assisted living facility or in a full service nursing home. For those with medical concerns, we also offer a “home health care” policy to supplement your current plan. This supplement will pay home health care expenses for one year with maximum benefits exceeding $50,000. Additional plan benefits include, prescriptions, routine exams and hearing aids.

This home health care supplement is virtually guaranteed issue and is available in most states.

AllFeds also offers life insurance/LTC hybrids which may be attractive to healthy individuals. These hybrid policies allow high limits with guaranteed premiums……no 126% rate increases.

Additionally, we offer a policy with a lump sum of $500,000 which may be used for home health care, assisted living facilities or full service nursing homes.

AllFeds commercial carriers include Mutual of Omaha, Transamerica, John Hancock, Genworth and Prudential.

Supplemental Medical Expense Plan for Federal Employees

November 27th, 2015  |  Published in federaal health insurance, supplemental medical expense

“Supplemental Medical Expense Insurance” for Federal Employees!

An exciting new supplemental insurance plan underwritten by Companion Life and administered by FedAdvantage.

Plan highlights include….

  •        Guaranteed Acceptance…..no medical questions or exams
  •        All employees, dependents and retirees  covered under FEHB are eligible
  •        No age restrictions
  •        Four affordable options to best fit your situation
  •        Convenient payment option through federal salary allotment
  •        Coverage for in-network and out of network
  •        Benefits credited toward deductibles and co-insurance under FEHB
  •        No pre-existing condition restrictions

For a complete plan description, sample rates and an easy enrollment form, please contact us at customerservice@allfeds.com or call us at 888-330-1790.

If you have co-workers or retirees who might benefit from this guaranteed acceptance plan, please alert them to this plan.

Federal Employee Saves $569,000!

May 18th, 2013  |  Published in federal life insurance, federal retirement, fegli, fegli option b, fers retirement, life insurance, life insurance for women

Federal Employee replaces FEGLI Option “B” and saves $569,000…GUARANTEED!

When our client, male age 55 in excellent health, contacted Allfeds.com, he was hoping to preserve his Federal Employees’ Group Life Insurance, Option ”B”, into retirement and reduce the costs going forward. Little did he know he could save half a million dollars. Due to his excellent profile he qualified for the super-preferred rate with a guaranteed thirty year savings of $569,000 or 80%.

Needless to say, our client was thrilled with the Allfeds.com program…

“Obviously, I would have to convey, overall, my satisfaction with the product as well as the service I received. I appreciate your openness, honesty, and friendly assistance throughout the process.

As far as the policy, the numbers speak for themselves. In my case, I will maintain the same level of Term Life insurance at the same price I am paying now – for 30 years, as opposed to rapid and sharp increases that I would have endured had I remained within FEGLI and chose to maintain the existing coverage.”

Additionally, a female employee with a similar profile would get an additional 28% discount, bringing her guaranteed thirty year savings to $600,000. As we wrote last fall, “women pay too much for FEGLI Option “B”.

So here’s the thought for the day…healthy federal employee should strongly consider comparing FEGLI Option “B” with top rated commercial carriers.

For your free comparison, go to allfeds.com.

Do women pay too much for FEGLI Option “B”?

September 17th, 2012  |  Published in federal government insurance, federal life insurance, federal long term care insurance, federal retirement, fegli, fegli open seson, fegli option b, fers retirement, FLTCIP rate increase, life insurance, life insurance for women, long term care insurance, Uncategorized  |  1 Comment

It has long been known that Federal Employees’ Group Life Insurance Option “B”…better known as FEGLI Option “B”…is generally not a good deal for healthy federal employees. What has not been widely discussed is whether FEGLI Option “B” is a demonstrably worse proposition for healthy women.

In the commercial market place, life insurance rates for men are 30%-50% higher than those for women due to standard mortality tables. No such rate consideration is afforded women under the FEGLI Option “B” rate structure. That means that women are paying more than they need to for similar coverage or getting substantially less coverage than they could get for the same premium, outside the FEGLI program.

Reviewing the “same benefit” comparison of $500,000 illustrates that a female with average health could reduce her FEGLI Option “B” costs by 35% initially and 77% over twenty years…a guaranteed $75,000 savings over twenty years. These savings would increase to $84,000 or 86% for women in excellent health.

Reviewing the “same premium” comparison of a $1,000 premium illustrates that a healthy women, age 45,  can increase her FEGLI Option “B” benefit from $500,000 to $1 million and still reduce her twenty year costs by 70%…she can double her benefit and still save $40,000…guaranteed!.

AllFeds.com has recently added a new thirty year comparison where the savings can be unbelievable…a 54 year old female in excellent health with $500,000 FEGLI Option “B” can save $325,000 over the next thirty years…guaranteed!

So here’s the question…if your HR office came to you with the option of doubling your current FEGLI Option “B” coverage or reducing your twenty year costs by 50-80% and the new policy was completely portable when you left the government…would you be interested?

Please note that while there are considerations other than cost, women need to do their research regarding these substantial discounts outside the government. It is not unusual for federal employees to lock in guaranteed savings well in excess of $100,000. Those savings add $400 – $500 to your monthly retirement!

So, do women pay too much for Federal Employees’ Group Life Insurance Option “B”….you make the call!


1800 ask usps who owns domain names search . free proxy server find a domain .

FedAdvantage Disability Plan for Federal Air Traffic Controllers

May 2nd, 2012  |  Published in Uncategorized

Federal Air Traffic Controllers have long sought a quality, comprehensive long term disability plan. Finally, MetLife has made their FedAdvantage disability plan available to ALL Federal Air Traffic Controllers.

FedAdvantage highlights include the following:

  • Guaranteed acceptance
  • up to $10,000 monthly benefit
  • Benefits payable to age 65
  • monthly benefits up to 60% or 70% tax free
  • Coverage includes work related disability
  • Portable if you leave the government
  • Convenient federal payroll deduction

For years, many–but not all–controllers have had access to the National Air Traffic Controllers Association or NATCA, plan. The FedAdvantage plan is not limited to any class of controller…it is available to all Federal Air Traffic Controllers!

Please take a minute to review the attached  comparison between the NATCA plan and MetLife’s FedAdvantage plan…

Air Traffic Controllers FedAdvantage Long Term Disability Insurance

FedAdvantage Disability Plan for Federal Air Traffic Controllers vs NATCA

  dns information

Quality Long Term Disability Plan for Federal Air Marshals

January 25th, 2012  |  Published in Uncategorized

Federal Air Marshals or FAMs have long been looking for a quality, supplemental, long term disability plan. Finally they have access to the FedAdvantage supplemental disability plan underwritten by MetLife and offered through allFeds.com. Whether it’s the guaranteed acceptance, $10,000 tax-free monthly benefit or benefits payable to age 65, the FedAdvantage plan has been very well received by FAMs throughout the country. This same plan is also available to all federal law enforcement, including FBI, Secret Service, NCIS, CIA, NSA and DEA.

It is literally possible for every eligible and interested federal law enforcement officer to be enrolled and covered within thirty days.

Plan highlights include the following:

Guaranteed acceptance…no exam…no medical questions

Tax-free benefits up to $10,000 per month

Choice of 60% or 70% of salary

Benefits payable up to age 65

Partial or residual disability coverage

Coverage for work related disability

Cost of living rider on 70% plan

For an individual quote based on your personal profile, please visit allFeds.com or call 1-888-330-1790.

  site whois . domain dns

Federal Benefits Open Season 2011…a great time to review all federal benefits!

November 19th, 2011  |  Published in Uncategorized

Federal Benefits Open Season 2011 runs from 11/14/11 through 12/12/11. While the major emphasis of this open season is the Federal Employee  Health Benefits or FEHB, it is also a great time to review other benefits available through the federal system as well as those areas where the federal benefits are inadequate.

Federal Employee Group Life Insurance Option “B” or FEGLI Option “B” is offered to federal employees in multiples of salary…1–5 x salary. In most cases, healthy individuals can reduce these FEGLI Option “B” costs by 50-80% simply by comparing with top commercial carriers. At allFeds.com  FEGLI calculator , we provide instant side by side comparisons between the federal program and the top commercial carriers in the industry. In 2011, our average client has been able lock in guaranteed twenty year savings of over $100,000. To verify our comparison, please check the federal rates using the Federal Life Insurance.

Long Term Disability Insurance has long been a major deficiency in the federal benefits program. CSRS/ FERS Disability Retirement may provide coverage if you qualify. The problem is who qualifies and how long the process takes. The new FedAdvantage supplemental disability program was recently expanded to include all civilian federal employees including contractors. The FedAdvantage is a guaranteed acceptance program with no medical exams. Benefits are payable to age 65 at 50%, 60% or 70% of salary and are received income tax free. This new program finally offers comprehensive coverage for long term disability and fills the gap that has existed for many years. In many cases, the savings from the life insurance comparisons illustrated above will cover most of the cost of this disability plan. This plan has been especially popular with Air Traffic Controllers and law enforcement such as Air Marshals, FBI, NCIS and Secret Service agents.

Long Term Care Insurance is one of the most widely discussed benefits in recent years. Between the major rate increase experienced in the Federal Long Term Care Insurance Program or FLTCIP 2.0  and the recent withdrawal of the CLASS Act, the federal LTCi market has been unsettled at best. This much is still true, healthy federal employees under age 65 can still get substantially better coverage and lower premiums through commercial carriers. Please contact us for your LTC illustration.

Federal Employees Health Benefit or FEHB is explained in great detail in this video from OPMhttp://www.opm.gov/insure/openseason/

Case Study: Female age 57 in excellent health was recently able to replace $500,000 of FEGLI Option “B” with $500,000 of twenty year level term through a top commercial carrier. Her immediate annual savings of $2,600 was enough to provide her a comprehensive $5,000 per month, income tax-free, long term disability coverage under the new FedAdvantage program AND a comprehensive Long Term Care plan through the top carrier in the marketplace. The life insurance comparison alone provided her a guaranteed twenty year savings of $219,000.

So as the Federal Benefits Open Season approaches it’s midpoint, take time to review all of your benefits. Remember, it’s your money…spend it wisely.

Happy Thanksgiving

Finally…Long Term Disability Coverage for All Civilian Federal Employees!

March 21st, 2011  |  Published in Uncategorized

For many years, the biggest gap in benefits for federal employees was long term disability coverage. MetLife has solved that problem. The FedAdvantage is a supplemental long term disability program, underwritten by MetLife, and now available to all civilian federal employees. FedAdvantage is designed to “fill in the gaps” from any sick leave or disability retirement programs offered through the federal government. With guaranteed acceptance and no medical exam required, all civilian federal employees can now protect their income against an untimely disability.

FedAdvantage plan highlights include the following:

Three plan options…Basic, Standard and Premier

Benefits paid after 30, 60 or 90 days

Benefits can replace 50%, 60% or 70% of income

Benefits may be payable to age 65

FedAdvantage benefits are paid income tax free

Partial Disability benefits

Low cost group contract

Guaranteed acceptance…no medical exam

Convenient payroll deduction

Coverage for government contractors cheap accommodation . how to find the domain .