What is FEGLI

FEGLI is the Federal Employee Group Insurance. The Federal Employees’ Group Life Insurance (FEGLI) Program is a life insurance program for Federal and Postal employees and annuitants, authorized by law (Chapter 87 of Title 5, United States Code). The Office of Personnel Management (OPM) administers the Program and sets the premiums. The FEGLI regulations are in Title 5 of the Code of Federal Regulations, Part 870.

FEGLI is group term life insurance. It does not build up cash value. You cannot take a loan
out against your FEGLI insurance.

There are four parts to FEGLI: Basic Coverage, Option A, Option B, and Option C.


Basic Coverage

As an eligible employee,  you are automatically enrolled in Basic insurance unless you waive this coverage. Basic insurance covers your life for whichever is greater:

1) Your annual rate of basic pay, rounded up to the next even $1,000, plus $2,000; or

2) $10,000.

This is called the Basic Insurance Amount, or BIA. The Government pays one-third of the premium cost for Basic and you pay two-thirds. The U.S. Postal Service pays the entire cost of Basic insurance for its employees.
If you are under age 45, you automatically have extra coverage without paying any additional premium. This Extra Benefit increases the amount of Basic insurance payable at the time of your death if you die before age 45.


Option Insurance

If you have Basic insurance, you may also elect Optional insurance. You are not automatically covered by Optional insurance like you are with Basic insurance. If you elect to take Optional Insurance,  you pay the full cost for all the insurance you take.
There are three types of Optional insurance: Option A-Standard, Option B-Additional, and Option C-Family.

Option A insures your life for $10,000. Cost varies by age.

Option B insures your life for 1, 2, 3, 4, or 5 multiples of your annual rate of basic pay rounded up to the next even $1,000. You can only increase multiplier at life-changing events (Marriage, Children, Divorce, Etc.) Costs for Option B increases in 5 year increments, starting at age 35.

Option C insures the lives of your spouse and eligible dependent children. It comes in 1, 2, 3, 4, or 5 multiples of coverage. Each multiple is equal to $5,000 for a spouse and $2,500 for each eligible dependent child.


* FEGLI.COM is a private company and is not a part of the United States Government.



If you work for one of these agencies and eligible for FEGLI, we can help you.

  • Legislative Branch
  • Judicial Branch
  • Dept. of Agriculture
  • Dept. of Commerce
  • Dept. of Defense
  • Dept. of Education
  • Dept. of Energy
  • Dept. of Health and Human Services
  • Dept. of Homeland Security
  • Dept. of Housing and Urban Dev.


  • Dept. of Interior
  • Dept. of Justice
  • Dept. of Labor
  • Dept. of State
  • Dept. of Transportation
  • Dept. of the Treasury
  • Dept. of Veterans Affairs
  • Federal Election Commission
  • National Archives and Records


  • Office of Personnel Management
  • Office of Special Counsel
  • Federal Trade Commission
  • Federal Communications Commission
  • NASA
  • Nuclear Regulatory Agency
  • EPA
  • Federal Reserve


  • United States Postal Service
  • Social Security Administration
  • Amtrak
  • CIA
  • Inspector General
  • Federal Maritime Board
  • NTSB
  • General Services Administration
  • Small Business Association



FEGLI.COM is a private company and is not a part of the United States Government.

548 N. Willow Ave.
Cookeville, TN 38501

 800 467 8571
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