Scout, I signed up two years ago. The Dave Ramsey Financial Peace University course I had taken was really encouraging folks to seriously consider it. I did a lot of comparing prices, used the web site to help compare, they sent me packets also. Taking in my family history life span, no chronic nor debilitating illnesses, whatever, into consideration, and the amount of money I felt I could afford, I did find with the Fed's a program that will probably suit my family the best. The program that allows family members to be paid to do care, stay in own home as long as possible were governing factors. You may not want to make a quick decision in the two days left; I needed to have all the information papers laid out on the table, check off this'n'that, erase them later, rethink, re group, it took me awhile to get it figured out. I trust it is the best I could have done if only because of the amount of prayer that went with trying get it accomplished. Numbers have a habit of reversing themselves, disappearing, re-inventing themselves when viewed by my eyes...
The monthly fee is held out of my FERS retired annuity. I am sure, though, that the Federal Plan had more & better selections to put a plan together than the public offerings.
The cost has not increased, I did make sure I had marked for automatic adjustment -( inflation?) Whatever -
I hope this helps -somewhat, anyway...
p.s.-edit
There is a website somewhere that gives comparisons of different companies- I just remember that some were so obviously out of my league or even w/o common sense I didn't need to spend time wit them. I guess I must have used Google to find that...
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