Feds Trusted. Service Driven.

Feds Trusted. Service Driven.

Apply online and get a decision in minutes with QuickDecisionSM Group Term Life Insurance.1

Tailored specifically for Federal employees under the age of 50, QuickDecisionSM Group Term Life Insurance offers an opportunity to secure up to $500,000 in Group Term Life Insurance protection at exclusive rates.

The QuickDecisionSM process ensures that once you submit your application, you can expect a prompt decision — oftentimes within just minutes. We believe in providing you with a quick solution to meet your life insurance needs.

Ensure your family’s security with GEBA Group Term Life Insurance QuickDecisionSM, a collaboration between GEBA and our partner, New York Life Insurance Company. As a GEBA member, you can access coverage of up to $500,000, providing significantly more protection and peace of mind. Take the next step in securing your loved ones’ futures.

Coverage Checklist
Coverage Checklist
Coverage Checklist

Not a GEBA member?

GEBA membership is complimentary with GEBA Group Term Life coverage!

QuickDecisionSM Frequently Asked Questions

We are confident you will enjoy the benefits of receiving a faster decision to your life insurance request. But we understand if you have questions about the process. Below are some common questions and answers.

If you still have questions about applying, let us know and we are happy to help.

QuickDecisionSM Group Term Life Insurance is a feature that allows us to make an underwriting decision in real time based on your answers along with database information gathered. Since we are often able to receive everything we need through this process, we can deliver your answer sooner.

Yes! While the QuickDecisionSM feature is only available on amounts up to $500,000, you can apply for up to $600,000. Higher amounts require additional medical information to be gathered about you. If we need more information, a representative will call you to schedule a convenient time to answer questions or, if needed, have a medical professional visit you at our expense.

You will answer questions about your medical history with options to provide details when necessary. This is all stored for a limited time in a secured database separate from your other information. With your permission, we then ask other databases to confirm some information about you. This can include validation of medical history, any driving infractions, and any medications you are taking. We do not retain any of this information about you. This information is looked up, verified, and then released. All of this happens online, typically while you are still finishing the last few steps of your application.

Information you provide is all gathered on a secured server, which has undergone high standards of security testing. We proudly display the Norton seal at the bottom of the page with details about the security. Additionally, the data provided is separated and stored on different servers — and is stored for only a limited time. This helps to safeguard your data in multiple ways.

Life insurance is medically underwritten. This is a process by which we gather and compare your medical data against a broad group of people like you. The better your history, the better rates you could be offered. Your medical history includes any factors that put your health — and life — at risk. This can include a history of disease, habits, behavior, and recreation. So sometimes a driving history including reckless behavior can be just as important as if you suffered a serious illness.

We may be able to offer you a decision about your application today. GEBA needs to verify your eligibility before you can be fully approved for your coverage. This happens quickly, typically within a day or two. After that, you will receive details about your coverage and your initial payment will be processed if accepted.

Generally, no. Most QuickDecisionSM applications can be given an answer without the need for follow-up; however, sometimes you may need to speak with a representative to verify information or have a medical professional visit you. If this is necessary, it will be arranged on your schedule and at our expense.

Our Knowledgeable Member Services Staff Can Help!

[email protected]     |    (410) 657-8060 or (800) 826-1126

M–F 8:00 a.m.–4:30 p.m. ET

[email protected]

(410) 657-8060 or 

(800) 826-1126

M–F 8:00 a.m.–4:30 p.m. ET

Choose GEBA – Securing Feds’ Financial Future Since 1957

1QuickDecisionSM processing can offer an immediate decision about your application. This approval is conditional on confirmation of your association membership status and coverage limit eligibility. A referral decision may be given if an underwriter needs to review your application and may reach out to confirm the information with you. If you are not approved for insurance through QuickDecisionSM processing, you may still be eligible to apply for coverage using traditional/standard underwriting. May not be available in all states. Not available in Puerto Rico.

Sponsored Family Members are not eligible for the Group Term Life Insurance but can request an appointment with a GEBA Wealth Management financial advisor to discuss Individual Life Insurance.

Group Term Life Insurance underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 on Policy form GMR.

New York Life’s state of domicile is New York, and NAIC ID # is 66915.

New York Life is licensed/authorized to transact business in all 50 United States, the District of Columbia, Puerto Rico, and Canada. However, not all group policies it underwrites are available in all jurisdictions. Please check the applicable insurance brochures for current availability.

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