"Specializing in the Life Insurance and Retirement Needs of Federal Employees".


*We are contracted with dozens of well known private industry Life Insurance carriers.  Not all applicants will qualify for competitive rates.  Underwriting criteria includes, but is not limited to, your health history,  tobacco use, lifestyle, build, and family history.  Never make any changes to your existing insurance until after you have received your new policy and it is in force.


John H. Watson - Providing excellence to Federal Employees for over 25 years. 

  • Better rates*
  • Better service
  • Better advice
  • Comprehensive options

BetterThanFEGLI.com is the website of John H. Watson, a licensed insurance producer.  We are not affiliated with FEGLI, OPM, or any Government Agency.  The Federal Government is forbidden to endorse any private sector life insurance carriers or producers, which includes us.  Services are not available in all states.

If you can pass a Life Insurance exam, we can provide you with...

Are you STILL carrying FEGLI "Option B"?


  • Put 5% or more in to your TSP.
  • Utilize the TSP L-Funds.
  • Replace your FEGLI "option B" with one of our plans while you are at your youngest and healthiest age.
  • Learn how to maximize your CSRS or FERS Pension & survivor benefits.
  • Stay in the TSP after retirement.
  • Contact us for a free consultation.


Tips to maximizing your benefits and retirement...