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Frequently Asked Questions

Where there’s insurance, there are questions.

There’s no doubt about it, insurance can be confusing. Here are some of the questions we get asked quite often – and answers that won’t create 1,000 more questions. If you can’t find what you need, don’t hesitate to send us an email.

People who don’t want to burden their loved ones, or bank account, if something were to happen to them. That can mean everything from being certain there is money to pay for your funeral expenses to making sure your savings doesn’t have to take a financial hit if you were sidelined with an illness or injury. Our needs assessment tool will help you see where you stand.

It really depends on your unique situation. If you were no longer around, life insurance could help replace your income. It could help erase debts like your home loan, credit card debt, and more, to help your loved ones continue to maintain their current lifestyle.

The best way to determine how much insurance you need is to use our needs assessment tool. In just a few minutes, you’ll know how much is right for you.

Many people have an opportunity to sign up for insurance when they start a new job. That’s a good thing. But it can also give a false sense of security. There may be gaps in the coverage offered through your employer. Gaps that can pose a threat to your family’s financial health, if something were to happen to you. The easiest way to know where you stand is to take a few minutes to answer a few simple questions in our needs assessment tool.

NO. We believe buying insurance should be easy and you should be in complete control. No pesky insurance agents. If you need help, you can reach us by phone 1.844.937.4342 or email.

Most people think about buying insurance when they first start their career. Why? To protect their income and future earnings.

Insurance can help protect you from the unexpected costs that frequently accompany an accident. It can provide an income if you were sidelined a while, with an illness or injury. And it could also help pay for funeral expenses, if you were to pass away. You should revisit your insurance any time you go through a life change event such as getting married or divorced, having or adopting a child and more. This will help make sure you have the right coverage for wherever you are in life.

You want to be confident that the company you choose understands your situation and will be around to take care of you and your family. Since 1937, people have trusted GEHA with their insurance needs. Today, GEHA is one of the largest national health and dental plans serving federal employees, federal retirees and their families.

With GEHAtotal, it’s a snap. Just use our needs assessment tool. It will only take a few minutes and will recommend what’s needed for your specific situation. Then, we’ll guide you through the enrollment process online. Of course, if you need to speak with someone, we’re just a phone call away at 1.844.937.4342.

This could be one of the easiest insurance purchases you’ve ever made. There’s no “paperwork” to fill out. It’s all done online. Use our needs assessment tool to determine how much insurance we recommend. Answer a few more questions after that and you’ll find out right away if we can offer you coverage.

Payments are also easy. Pay online by credit card or check to begin your coverage right away.

This should be the person you want to receive the payout from your life insurance if you were to die. Usually it’s a spouse or partner or a trustee, although it could be a child, or multiple children, as well. If you are covering your partner or a child, you could name yourself as the beneficiary. You can always adjust this later if circumstances change, or you change your mind.

You should revisit your insurance any time you go through a life change event such as getting married or divorced, having or adopting a child or changing jobs. This will help ensure you have the right coverage for wherever you are in life.