Benefits for Federal Employees and their families
DISABILITY, LIFE, LONG TERM CARE, CANCER, HOSPITAL, CRITICAL ILLNESS
SERVING OUR FEDERAL, USPS, MILITARY AND CIVILIAN POPULATION SINCE 2009
THE TIME TO CONTACT US IS BEFORE YOU NEED US!
About Us
Federal Employees
Private Life Insurance
Types of Insurance
We currently insure and service over 200,000 federal employees and their families. We work with "all" federal departments including USPS and military employees. We have exclusive agreements in place with many carriers to provide you with benefits you can only get through our brokerage. This ensures that you get the most cost-effective cov
We currently insure and service over 200,000 federal employees and their families. We work with "all" federal departments including USPS and military employees. We have exclusive agreements in place with many carriers to provide you with benefits you can only get through our brokerage. This ensures that you get the most cost-effective coverage with a top rated company. Ask us about our disability insurance that offers "guaranteed coverage" to "any" federal employee. You can't be turned down for coverage due to your medical history or current medical conditions!
Types of Insurance
Private Life Insurance
Types of Insurance
Disability Income Protection
Life Insurance
Long Term Care
Hospitalization Coverage
Maternity Packages
Cancer and Critical Illness Plans
Accident Insurance
Dental Insurance
Vision Insurance
Private Life Insurance
Private Life Insurance
Private Life Insurance
Typically, government-provided life insurance will either cease when you retire, become to expensive to keep, or will be greatly reduced. Many federal employees discover this later in life and begin looking for private coverage. Let our brokerage assist you now with getting coverage that you can control. (This is available to anyone and n
Typically, government-provided life insurance will either cease when you retire, become to expensive to keep, or will be greatly reduced. Many federal employees discover this later in life and begin looking for private coverage. Let our brokerage assist you now with getting coverage that you can control. (This is available to anyone and not just Federal Employees). With access to over 40 life insurance companies, we will ensure you get the best coverage with a top rated carrier.
USPS Employees!
Retirement Assistance 877-753-5630
Private Life Insurance
"Allstate" Guaranteed Coverage Disability Insurance is available to USPS employees!
Payroll Deducted! Enroll over the phone in just a few minutes!
Highlights of the coverage include:
Guaranteed coverage up to $6000/month with no underwriting
(with income verification)
Pays in addition to any other insurance or paid time off
Includes coverage f
"Allstate" Guaranteed Coverage Disability Insurance is available to USPS employees!
Payroll Deducted! Enroll over the phone in just a few minutes!
Highlights of the coverage include:
Guaranteed coverage up to $6000/month with no underwriting
(with income verification)
Pays in addition to any other insurance or paid time off
Includes coverage for on the job injuries
(Pays in addition to workers compensation)
Coverage for Maternity! *
Policy may be continued if employee changes jobs
Guaranteed renewable to age 100
One rate regardless of age or sex
Pre-existing conditions covered after 12 months
*Disability benefit due to child birth is available if the inception of the pregnancy occurs after the coverage effective date and coverage remains in full force.
Retirement Assistance 877-753-5630
Retirement Assistance 877-753-5630
Retirement Assistance 877-753-5630
GRB Platform Assistance
Including "Early" Retirement
With over 200,000 federal employees as active clients, many of you have come to know us through our unique offering of products and services that include exclusive benefits offered through payroll deduction. When it comes to your retirement, our team has over 250 years
GRB Platform Assistance
Including "Early" Retirement
With over 200,000 federal employees as active clients, many of you have come to know us through our unique offering of products and services that include exclusive benefits offered through payroll deduction. When it comes to your retirement, our team has over 250 years of collective experience to ensure all aspects of your retirement are handled correctly.
Our retirement benefit specialists can answer questions like:
What is my monthly income going to be at retirement?
How do I avoid mistakes that are irrevocable once retired?
Will it continue for the rest of my life?
What factors into my retirement?
What can I do now to maximize my retirement?
Your retirement package can be a complex multi-tier system that can include:
401K
TSP
Pension
Social Security
Health Insurance
Medicare and Survivor Benefits
We understand many employees are not informed about their retirement and can make decisions that are irrevocable and can cost thousands. Therefore, we have trained retirement specialists on staff to help you understand your retirement options. We offer one-on-one retirement assistance and classes to members.
We offer support with:
Assisting with retirement paperwork
Helping set retirement goals
Understanding options before and after retirement
Creating a budget
TSP and 401(k) strategies
IRA options to fit your goals
What happens to your employee group life insurance (FEGLI)
Survivor annuity options
Pension Max
Calculating your pension
Social security strategy
Calculating retirement date
Our seasoned professionals provide expertise, insight and regulatory guidance.
We are available to provide professional guidance for these services and to
help you perform the tasks related to
the administration of these federal programs, all at no cost.
Schedule a one-on-one consultation to receive personalized support, including answering questions about retirement eligibility and the monthly income you can expect at retirement.
Simply call 877-753-5630 to get all your questions answered. (There's no obligation)
Brief description of coverages
Disability Income Protection
For most people, a temporary loss of income could have long-term financial consequences. Disability insurance policies help people avoid the hardship of medical bills and lost income. Disability coverage provides a monthly benefit amount when you're disabled and unable to work due to injury, illness surgery or even maternity.
Life Insurance
People know they should have it, but it’s a difficult conversation to have with their family and loved ones. If something happens, will your family have the funds to pay the bills, final expenses or maintain the household? Life insurance policies are designed to help families get through the tough times.
Hospitalization Plans
Hospital-related expenses are at an all time high. Even a quick trip to the hospital can result in out of pocket costs and have a negative impact on everyday life. Hospitalization plans typically pay a lump sum for the confinement as well as benefits that can include ER visits, physician visits, medical imaging and more.
Maternity Packages
In the last 16 years, we've helped hundreds of families prepare for the financial challenges that can be associated with growing your family. Unpaid time off and out of pocket medical costs are typically the most frequent challenges that people face. Let us set up a maternity package for you to ensure you receive the most benefit . These insurance plans pay in addition to any other insurance or paid time off so let us help you plan to grow your family and maximize your benefits.
Cancer and Critical Illness
Whether it's cancer, heart disease or a number of other critical illnesses, we have plans that cover these specific medical events to help minimize out of pocket related costs and lost income.
Accident Coverage
Accident insurance plans help with the unexpected out-of-pocket costs that can hurt the family budget when injury occurs. Typical benefits covered on these plans can include ER visits, hospitalization, physical therapy, follow up visits, ambulance travel and much more.
Our Carriers
Companies We Represent
Manhattan Life Disability
Allstate Disability
Mass Mutual Whole Life
(Some companies can't be listed due to copyright laws)
Our family
Frank & JoAnn Ottens
Frank began his insurance career in 2009 after more than 20 years years in corporate finance and accounting. As the business grew, JoAnn came on board in 2013 to become the partner of this family business. Their office currently represents over 200,000 policyholders and their families. Their business focuses on servicing their clients while building long-lasting relationships with their policyholders. As an independent agency, they have access to dozens of top-rated insurance carriers which compete for your business. This approach will ensure you have the most cost-effective coverage with a top-rated insurance carrier. We feel that the choice you make for your coverage should be based on your needs, your budget (and most importantly) the service you receive. "Our clients can feel confident that we'll be here for them when they need us to answer their questions, process their claims and help them find the best coverage" Frank H Ottens Sr.