DAGE Association for Government Employees

<BODY bottomMargin=0 bgColor=#ffffff leftMargin=0 background=images/bg_Page.gif topMargin=0 rightMargin=0 MARGINHEIGHT="0" MARGINWIDTH="0"> <TABLE cellSpacing=0 cellPadding=0 border=0> <TBODY> <TR> <TD vAlign=top> <TABLE cellSpacing=0 cellPadding=0 width=760 border=0> <TBODY> <TR> <TD bgColor=#ffffff colSpan=2 height=127><A href="index.asp"><IMG height=127 alt="" hspace=0 src="images/Animation2.gif" width=452 border=0><!IMG SRC="images/decor_Logo_Header3.gif" ALT="" WIDTH="452" HEIGHT="127" HSPACE="0" VSPACE="0" BORDER="0"><!IMG SRC="images/decor_Logo_Header.jpg" ALT="" WIDTH="420" HEIGHT="127" HSPACE="0" VSPACE="0" BORDER="0"></A></TD> <TD vAlign=top width=32 background=images/bg_Right_Curves_Base.gif bgColor=#ffffff rowSpan=3><IMG height=559 alt="" src="images/bg_Right_Curves.gif" width=32 border=0></TD></TR> <TR> <TD align=right bgColor=#315aad colSpan=2 height=45><IMG height=45 alt="" src="images/shim.gif" width=1 align=left border=0> <FORM style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px" action=site_search.asp> <TABLE height=45 cellSpacing=0 cellPadding=0 border=0> <TBODY> <TR> <TD vAlign=top width=32><IMG height=45 alt="" src="images/bg_Search_Left.gif" width=32 border=0></TD> <TD vAlign=bottom align=right width=210 background=images/bg_Search.gif> <TABLE cellSpacing=0 cellPadding=0 bgColor=#ffffff border=0> <TBODY> <TR> <TD bgColor=#ffffff><FONT face=Arial,Helvetica,sans-serif size=2><STRONG>Search:</STRONG></FONT> </TD> <TD bgColor=#ffffff><INPUT style="FONT-SIZE: 10pt; WIDTH: 120px; FONT-FAMILY: Arial, Helvetica, sans-serif; HEIGHT: 21px" name=query><INPUT type=hidden value=any name=mode></TD> <TD bgColor=#ffffff><INPUT type=image height=21 hspace=0 width=25 src="images/btn_Search.gif" align=middle border=0></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></FORM></TD></TR> <TR> <TD vAlign=top width=192 background=images/bg_Left_Nav_Base.gif bgColor=#315aad> <TABLE height=351 cellSpacing=0 cellPadding=0 width=192 bgColor=#639cce background=images/bg_Left_Nav.gif border=0> <TBODY> <TR> <TD vAlign=top><BR>  </TD></TR></TBODY></TABLE> <TABLE cellSpacing=4 cellPadding=4 border=0> <TBODY> <TR> <TD> <P class=AddressBlock><STRONG>DAGE</STRONG><BR><STRONG><EM>Association for<BR>Government Employees</EM></STRONG><BR><BR>332 North Blauvelt Avenue<BR>Sioux Falls, South Dakota<BR>57103 USA<BR><BR>(605) 335-8752<BR>(800) 288-3098 Toll-Free<BR>(605) 338-9851 FAX<BR><BR><A class=AddressBlock href="mailto:service@dage.info"><IMG height=11 alt="" hspace=2 src="images/icon_Email.gif" width=14 align=middle border=0>service@dage.info</A><BR><BR><A class=AddressBlock href="privacy.asp"><IMG height=16 alt="" hspace=2 src="images/icon_Secure.gif" width=14 align=middle border=0>Privacy Policy</A> </P> <P class=Credit>© 2004 DAGE Association for Government Employees </P></TD></TR></TBODY></TABLE></TD> <TD vAlign=top width=536 bgColor=#ffffff><IMG height=1 alt="" src="images/shim.gif" width=536 border=0><!IMG SRC="images/shim.gif" ALT="" WIDTH="1" HEIGHT="400" BORDER="0" ALIGN="left"><BR> <H1>Are You Paying Too Much For FEGLI Life Insurance?</H1><IMG height=220 alt="" hspace=6 src="images/decor_People_2.gif" width=203 align=right border=0> <P>Many Federal Employees just like you have been asking this same question since FEGLI started in 1954. Even the Comptroller General of the United States wondered the same thing and reported to Congress as far back as April 7, 1986 that private sector insurance programs typically provide greater coverage at lower costs to employees than the Federal program does. The Government Accounting Office also reported in April of 1986 that the FEGLI program is inferior to many private sector policies<SUP>*</SUP>.</P> <H2>What Can You Do?</H2> <P>First, you must understand what your FEGLI coverage is, and then the solution is easy. Your FEGLI coverage is increasing term life insurance. That means the premiums go up as you get older! Option B coverage just compounds the problem by throwing more money away on the same increasing term insurance! Our premiums are guaranteed not to increase for 20-30 years, depending on issue age and our policy goes with you even if you move to the private sector.</P> <H3 align=center>Compare For Yourself...</H3> <TABLE cellSpacing=0 cellPadding=0 width=500 align=center border=0><TBODY> <TR> <TD vAlign=top height=17><IMG height=17 alt="" src="images/decor_Feature_Top_500.gif" width=500 border=0></TD></TR> <TR> <TD bgColor=#639cce> <TABLE cellSpacing=2 cellPadding=2 width="100%" bgColor=#639cce border=0> <TBODY> <TR> <TD> <TABLE cellSpacing=4 cellPadding=4 width="100%" bgColor=#ffffff border=0> <TBODY> <TR> <TD vAlign=center align=middle colSpan=2> <P>45 year-old, male, non-smoker, in good health with Option B coverage of<BR>$225,000.00</P></TD></TR> <TR> <TD> <P>FEGLI Premium to age 75:</P></TD> <TD align=right> <P>$78,682.50**  </P></TD></TR> <TR> <TD> <P>Alternative 30 year, level premium to age 75:</P></TD> <TD align=right> <P>$22,417.20***</P></TD></TR> <TR> <TD> <P><FONT color=#ff0000><STRONG>Premium Savings</STRONG>:</FONT></P></TD> <TD align=right> <P><FONT color=#ff0000><STRONG>$56,265.30</STRONG></FONT>   </P></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE></TD></TR> <TR> <TD vAlign=bottom height=17><IMG height=17 alt="" src="images/decor_Feature_Bottom_500.gif" width=500 border=0></TD></TR></TBODY></TABLE> <H3 align=center>Save Up To 75% with Our Alternative to FEGLI Option B<BR>Premiums Guaranteed Not To Increase for 30 Years</H3> <P class=AddressBlockDark align=center><STRONG>DAGE</STRONG><BR><STRONG><EM>Association for Government Employees</EM></STRONG><BR><BR> <TABLE align=center> <TBODY> <TR> <TD> <P align=center>332 North Blauvelt Avenue<BR>Sioux Falls, South Dakota<BR>57103 USA</P></TD> <TD width=30> </TD> <TD> <P align=center>(605) 335-8752<BR>(800) 288-3098 Toll-Free<BR>(605) 338-9851 FAX</P></TD></TR></TBODY></TABLE><BR><A class=AddressBlockDark href="mailto:service@dage.info"><IMG height=11 alt="" hspace=2 src="images/icon_Email.gif" width=14 align=middle border=0>service@dage.info</A><BR><BR><A class=AddressBlockDark href="privacy.asp"><IMG height=16 alt="" hspace=2 src="images/icon_Secure.gif" width=14 align=middle border=0>Privacy Policy</A><BR><BR></P> <P class=Disclaimer><SUP>*</SUP> Information retrieved from Federal Employees News Digest.</P> <P class=Disclaimer><SUP>**</SUP> 2003 Federal Employees Almanac, Federal Employees News Digest, Inc page 77.</P> <P class=Disclaimer><SUP>***</SUP> The example above is based on a Male, age 45, pp non-smoker. The premiums and coverage are guaranteed to remain level for the 20-30 years, depending on issue age. After the premium guarantee period, the premiums will increase annually. Coverage to age 95. These premiums ate subject to change, after the guaranteed period, but can never exceed the maximum premiums. As an alternative, the policy may even be converted up to age 70 to a permanent plan of insurance (including whole life, universal live and variable life) subject to policy guidelines and premiums. The Premier 30 year Term 4.0 (form series T083A 1) is underwritten by Midland National Life Insurance Company Sioux Falls, SD. Not all products, features or issue ages are available in all states.</P></TD></TR> <TR> <TD background=images/bg_Footer1.gif bgColor=#315aad colSpan=3> <TABLE width="100%"> <TBODY> <TR> <TD width=184><IMG height=5 alt="" src="images/shim.gif" width=184 border=0></TD> <TD> <P class=Disclaimer><IMG height=5 alt="" src="images/shim.gif" width=184 border=0><BR>DAGE Association for Government Employees is not licensed in the state of California.</P></TD></TR></TBODY></TABLE></TD></TR> <TR> <TD background=images/bg_Footer.gif bgColor=#315aad colSpan=3><IMG height=31 alt="" src="images/shim.gif" width=5 border=0></TD></TR> <TR> <TD bgColor=#315aad colSpan=3> <DIV align=right><A class=Credit href="http://www.bldesign.net/" target=_blank>Site maintained by Brite Lites Design</A>      </DIV></TD></TR></TBODY></TABLE></TD> <TD vAlign=top> <SCRIPT>  </SCRIPT> </TD></TR></TBODY></TABLE><BR></BODY></HTML>