This question depends on the specific facts and circumstances of your case. You should speak with your attorney about this issue. If you don't have an attorney, you should find one soon.
Legal disclaimer: This response does not create an attorney-client relationship and should not be construed as offering legal advice. It is offered for informational purposes only. Only a lawyer fully versed on the facts and circumstances of your case can properly advise you on the case.
Federal prosecutors will often offer to resolve a case pre-indictment. If you accept the plea agreement, part of the process would be waiving indictment. You need to discuss the advantages and disadvantages of the offered plea with an experienced federal defense attorney.
If would be highly unlikely for the government to offer a plea in a case where they would not be able to indict you if you turn down the plea.
Every case is different you need experienced federal defense counsel now. Now.
My answer to your question is based on the facts that you provide in your question. Additional factual details about your situation could change my answer completely. The law in inherently uncertain and always subject to change.
The Government often attempts to resolve cases through the plea-bargaining process prior to presenting the case to a federal grand jury. However, the plea offer may have been extended in a good-faith effort to resolve the matter fairly, or it may be offered because the Government believes that it has a weak case. The latter situation is extremely rare, however, and the answer depends on the specific facts and circumstances of your case. Is there a deadline to accept the plea agreement?
Joshua Sabert Lowther, Esq.
NATIONAL FEDERAL DEFENSE GROUP