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Term Life, Short-Term Income Protection and Accident Expense Protection

With GEHAtotal, federal employees can ensure they are protected from unexpected surprises that can impact their financial well-being.

  • Designed exclusively for federal employees
  • No required medical exams
  • Apply and buy entirely online, in less than 20 minutes
  • Immediate coverage
  • Brought to you by GEHA, a name federal employees have trusted for 80 years 

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Term Life Insurance
The confidence to let life happen

We can help you easily find the right coverage for where you are in life. And make sure those you love and care for have what they need – whether it’s money for paying off the house, covering college costs, or just living comfortably. 

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Short-Term Income Protection
An insurance policy for your paycheck

GEHAtotal Short-Term Income Protection helps take the worry out of what could happen to your financial well-being should you miss work because of a health-related setback. With Short-Term Income Protection in place, you know you could have a source of income for up to 52 weeks if an illness or injury kept you from work. 
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Accident Expense Protection
Keeping temporary setbacks temporary

Many people don’t think about the unexpected costs that can accompany an accident. GEHAtotal Accident Expense Protection gives you a fixed cash payment, depending on what kind of accident you have, to use as you see fit. You can use the cash to help pay for things like your medical deductible, copay expenses, mortgage or groceries.

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GEHAtotal information

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GEHAtotal products are neither offered nor guaranteed under contract with the FEHB or FEDVIP programs, but are made available to eligible enrollees and eligible family members. Prior to applying for coverage, carefully read the Summary Plan Description for any exclusions or limitations.