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Federal employees: insurance open season.


 Federal employees can take advantage of a special one-time open season and enroll in life insurance up to slightly over their annual salary, with no physical examination or health questionnaire. Those with a life-threatening illness can now improve their financial condition during this open season, which ends July 21, 1995. This benefit lets them take advantage of a new accelerated benefit option, which allows those with a life expectancy of less than nine months to collect the above amount while they are alive. An estimated one-third of unmarried Federal employees do not yet have life insurance. Tom McCormack of Affording Care, Inc. cautions individuals and says that the best way to get money from a life insurance policy is through a private loan from friends, family, or relatives, in return for naming them beneficiaries.
