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Individual Life Insurance

Trust GEBA - To Help Provide Security for You and Your Family

GEBA is devoted to serving federal employees, like you, with comprehensive and customized insurance and financial solutions — including Professional Liability Insurance and GEBA’s Emergency Travel Plan. GEBA’s licensed Financial Advisors and Consultants can help you find the coverage that best fits your needs – no charge consultation and no obligation. See the overview below and contact GEBA to discuss your situation.

Consider applying for individual life insurance coverage with GEBA and join more than 16,000 satisfied members of the intelligence community and the broader federal workforce. Membership in GEBA is free as long as you maintain coverage.

Individual life coverage gives you greater flexibility

GEBA’s Group Term Life Insurance isn’t your only option. There are also two basic kinds of individual life insurance, as shown in the chart below: 

TERMPERMANENT
Term LifeWhole LifeUniversal life
PremiumsLevel premiums for term or policyGuaranteed level premiums for live Flexible premiums for life
Cash ValueNoYes Yes
Loans/WithdrawalsNoYes*Yes*
CoverageSpecific term is defined by the policy selected, generally 5 to 30 yearsLife**Life***
Cash Value
Investment Risk		NoneInsurance company bears riskInsured bears interest rate risk
Commonly Used ForIncome ReplacementIncome Replacement
Supplemental Income
Estate Planning
Legacy Planning		Income Replacement
Supplemental Income
Estate Planning
Legacy Planning
* Loans and withdrawals will decrease the cash value and death benefit.
** Provided all premium payments are made and loan indebtedness does not lapse the policy.
*** Cash value must be sufficient to pay monthly deductions or a guarantee needs to have been chosen at enrollment.

Whole Life Insurance

Whole Life Insurance covers you from the day you buy the policy until you die, generally with level premiums. A whole life policy accrues cash value on a tax-deferred basis that can increase the value of the death benefit. You can access any available cash value during your lifetime. Whole life insurance also can be a valuable tool in estate planning.
Learn more about Whole Life Insurance

Universal Life Insurance

Combines permanent life insurance protection and cash accumulation with the convenience of adjustable rates of interest, premiums, and payment schedules. Universal Life allows you to vary the amount of your coverage to reflect your life situation. Once your policy has accumulated sufficient cash value, you can adjust your premium payment or take cash withdrawals and loans. It is important to note, though, that loan withdrawals, benefit and premium adjustments, and the performance of the underlying portfolio can affect your premium or coverage later.
Learn more about Universal Life Insurance

Survivorship Life Insurance

Also called “second-to-die” life insurance, covers two people under a single policy and pays the benefit upon the death of the second person. Usually, the premiums are less than they would be for two separate policies with the same coverage amount. Survivorship Life Insurance coverage is often used when a husband and wife wish to fund a legacy for children, grandchildren, charities or institutions they support because this type of insurance allows individuals to maximize the life insurance benefit.
Learn more about Survivorship Life Insurance

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GEBA - Government Employee's Benefit Association

 GEBA is a not-for-profit federal employee benefit association created by National Security Agency (NSA) employees in 1957. Our goal is to offer high-quality insurance and investment products at competitive rates combined with expert financial planning services to best meet our members’ needs throughout all life stages and circumstances. GEBA has been serving Federal employees for over 65 years, and you can count on us to be there for you and your family when you need it most.

GEBA membership is FREE and is available to ALL civilian federal employees and retirees, including the military and their families. Membership is activated upon enrollment in a plan or service and continues as long as you maintain any plan or service with GEBA.

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We’re available by phone:
(410) 657-8060
(800) 826-1126
M–F 8:00 a.m.–4:30 p.m. ET

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Fax: (410) 846-6420

1362 Mellon Road, #100
Hanover, MD 21076

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GEBA provides expert, non-commissioned retirement and financial planning services to active and retired Feds, military, and families.

Rate Corner

Ask one of our Financial Advisors about our great fixed annuity rates:

Fixed Annuities:
Guaranteed Rates:
2-year: 4.80%
3-year: 5.20%
5-year: 5.45%
7-year: 5.55%

GEBA Stable Value Fund: 2.80%
(past 30 days)

Rates as of 9/5/2023. Minimum Investment amounts may apply. 

Copyright © 2023 GEBA. All rights reserved.

Securities are offered through American Global Wealth Management, Inc. Member FINRA, SIPC, MSRB, a broker dealer.

Investment Advisory Services are offered through Cape Investment Advisors, Inc., an SEC registered investment advisor.

1600 Pennsylvania Avenue, McDonough,GA 30253
Tel: (678) 583-1120

GEBA Financial Advisors and Consultants are Registered Representatives of one or both firms. GEBA is not affiliated with either firm.

Individual Life Insurance offered through Truchoice Financial.

For information about our Financial Advisors and Consultants, please visit Broker Check

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