Terms of Use

Last updated: August 14, 2026.

This website provides general educational and insurance-comparison information. It is not an official federal benefits resource and does not provide legal, tax, investment or benefits advice.

No guarantee of coverage or savings

Quotes, illustrations and examples are not offers or guarantees. Insurance availability, premiums and approval depend on underwriting, carrier rules, policy terms and state availability.

FEGLI information

Federal benefit rules and rates can change. Users should verify current information with OPM and their agency benefits office before changing coverage.

No government affiliation

FEGLIswap.com is not affiliated with, endorsed by or operated by OPM, FEGLI, the United States Government or any federal agency.

Existing coverage

Do not cancel or reduce existing insurance until replacement coverage has been issued, is in force and is acceptable to you.