Are You Paying Too Much for Life Insurance?
FEGLI can be valuable coverage. But Option B premiums are age-banded and can rise as you get older. Compare your current benefits with individually underwritten life insurance options before making any change.
Free comparison • No obligation • Independent of OPM and the federal government
Understand Your Benefits
Why Federal Employees Compare FEGLI Option B
Age-banded premiums
OPM publishes Option B employee rates by age group. The premium rate changes as an enrollee moves into older age bands.
Potential level premiums
Some individually underwritten term policies offer a guaranteed level premium for a selected term, subject to underwriting and policy terms.
Compare — don't guess
FEGLI has features private coverage may not duplicate. Review costs, underwriting, retirement treatment and coverage needs before deciding.
See What Option B Can Cost
Try the calculator using current employee rates listed on OPM's FEGLI Premium Overview. Then compare with your personalized quote.
FEGLI Is Not One-Size-Fits-All
Reasons to keep FEGLI
- Group coverage may be valuable if private underwriting is difficult
- Basic FEGLI has unique government contribution and retirement features
- Optional coverage can be convenient through payroll deduction
Reasons to compare private coverage
- Option B rates vary by age band
- Private level-term coverage may offer predictable premiums for the selected term
- Coverage can be individually owned and not tied to federal employment
Life Insurance Carrier Options
Carrier availability and products vary by state, age, health, underwriting and case details.
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See your private life insurance options using the FEGLIswap quote engine.
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