Warrior Retirement

FEGLI Life Insurance · 2026 Decision Guide FEGLI Life Insurance in Retirement: What Federal Employees Must Know Before Costs Balloon The life insurance that cost you $15 per paycheck at age 45 can cost $300+ per month by age 70 — for the same coverage. Here is exactly how FEGLI works in retirement, what it will cost you at every age, and whether keeping it makes financial sense. 📅 April 5, 2026 ⏱ 11 min read 🛡 Warrior Retirement Federal employees receive affordable life insurance through the Federal Employees Group Life Insurance (FEGLI) program during their working years. Basic coverage, Option A, Option B, and Option C provide protection at group rates that feel like a great deal — because they are, while you are employed. Retirement changes everything. FEGLI premiums explode after age 65. The very coverage that felt affordable at $30 per month during your career can cost $400–$600 per month in your late 60s and 70s — for coverage whose value keeps declinin...

⚖️ 2026 Estate Planning Alert Will & Estate Planning: The 2026 Tax Cliff The $13.99 million estate tax exemption expires December 31, 2026. For federal employees with pensions, TSP balances, property, and life insurance — the clock is ticking. Here is what you must do before the cliff arrives. 📅 April 10, 2026 ⏱ 15 min read 🛡 Warrior Retirement $13.99M 2026 Estate Exemption (Expires Dec 31) ~$7M Estimated 2027 Exemption if Cliff Hits 40% Federal Estate Tax Rate Above Exemption Dec 31 2026 — Deadline for Current Rules ⚡ Quick Answer — The 2026 Tax Cliff The Tax Cuts and Jobs Act of 2017 doubled the federal estate and gift tax exemption to approximately $13.99 million per person ($27.98 million per married couple) in 2026. Unless Congress acts, this exemption automatically drops by approximately 50% on January 1, 2027 — reverting to roughly $7 million per person. For federal employees with a p...

FERS Survivor Benefits · 2026 Complete Guide FERS Survivor Benefits in 2026: The Complete Guide to Protecting Your Spouse's Income, Health Insurance & Future Most federal employees make the most consequential financial decision of their retirement in a 5-minute HR conversation on their last day. Here is the complete guide to survivor benefits — so your family is protected no matter what happens. 📅 April 5, 2026 ⏱ 14 min read 🛡 Warrior Retirement When you retire, you will be asked to make an election that determines what your spouse receives for the rest of their life if you die first. You will make this election on your retirement paperwork — often with limited guidance and no opportunity to change your mind later. The FERS survivor annuity election is permanent and irrevocable . Choosing the wrong option — or failing to understand what "no survivor benefit" actually means for your spouse's health insurance — can leave the person you love...