A Real Conversation About Your Financial Future. No Pressure. No Jargon. Just Clarity.
For over 40 years, FCPC has helped federal employees, families, and retirees get real answers about their financial protection. Our roots are in the DC Metro area, where we built our practice around the federal government community, and federal employees remain our focus today. We're now licensed across every region of the country, working with government employees, business owners, and private-sector professionals nationwide.
No cost. No obligation. Just clarity.
1985
Founded in Washington, DC
Independent
Insurance agency
Licensed
In Multiple States Nationwide
Who We Are
Serving Nationwide. Rooted in DC.
FCPC was founded in Washington, DC, and for four decades we've specialized in the unique benefits landscape federal employees navigate: FEGLI, FERS, TSP, and more. That's still where our deepest experience lies.
You don't need to work for the federal government to sit down with us. We work with federal employees, state and local government employees, business owners, and private-sector professionals. The same team, the same education-first approach, and the same care goes into every conversation we have.
FEGLI wasn't your choice.
You have other options.
FEGLI comes standard with your federal benefits package. It's opt-out, not opt-in, which means most employees are automatically enrolled from day one. Many also add Option B for extra coverage without ever sitting down with someone to walk through what it actually does, and doesn't do, over the course of a career.
Here's what a lot of families don't find out until it's too late:
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Your cost keeps climbing.
Basic FEGLI premiums increase with your salary, while Options A and B increase with your age. Option B in particular can climb sharply the older you get, all while your paycheck may not be scaling to match.
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Your coverage shrinks right when you need it most.
By default, FEGLI coverage reduces between 75% and 100% after you retire, right as your other income sources are also shifting.
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Nothing builds up behind it.
Every premium dollar is gone the moment you pay it. No cash value, nothing to borrow against, nothing that grows.
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No living benefits for critical or chronic illness.
FEGLI does include a Terminal Illness rider, but if you're diagnosed with a chronic illness or suffer a critical illness or injury, it offers nothing while you're alive to need it.
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It can't become a permanent policy.
FEGLI doesn't offer the option to convert into permanent coverage, so the protection you've built ends when the group coverage does.
A private policy, chosen with the right guidance, can address many of these gaps. We'll show you, side by side, exactly what you have and exactly what you're missing.
Get My Free FEGLI Analysis
Specialized coverage provided for government employees and contractors
You've Built Your Retirement Savings.
Are They Actually Protected?
You've spent decades building your retirement savings. The question now isn't solely how to keep it growing but also how to make sure it's kept safe for use in retirement. Whether you plan to use your savings to supplement your pension or social security income, or to let it accumulate safely while accessing it as needed, that's exactly what an indexed annuity is built for:
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Guaranteed income you can't outlive.
Turn part of your savings into a paycheck that keeps coming, for as long as you live.
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Protected principal.
Your savings are shielded from market downturns — you don't lose ground when the market drops.
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Market-linked growth potential.
You still get to participate in market gains, without the downside risk of being directly invested.
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A safe home for the money you can't afford to gamble with.
The return of your money is more important than the return on your money.
A study by the American College's Center for Retirement Income found that 62% of recent retirees with substantial assets in an employer-sponsored plan chose to move those assets out of the plan. Employer plans are built for the masses. A personal plan gives you the flexibility to structure your savings around your life, not the other way around.
It's one of the reasons indexed annuities have grown in popularity as a retirement planning tool. If you're 60 or older and want to know exactly how much guaranteed income your savings could generate, we'll walk you through it plainly.
See My Guaranteed Income Options
Safety
Growth
Lifetime Income
What We Offer
Protection, Income,
and Peace of Mind. One Place.
Life Insurance
Term, whole, and indexed universal life coverage, tailored to protect your family and build lasting value.
Learn moreIndexed Annuities
Guaranteed retirement income that can't run out, with growth potential and protection from market downturns.
Learn moreSupplemental Health
Cash benefits for a cancer diagnosis, critical illness, or disability. Paid directly to you, on top of any other coverage.
Learn moreFinal Expense
Coverage built to spare your family the financial burden of funeral and end-of-life costs.
Learn more
One Conversation Could Change
What Comes Next.
Whether you're protecting your family today or securing the retirement you've already earned, an honest, no-pressure conversation is the best place to start.
Licensed across multiple states · Education-first · Since 1985
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