Federal Employees Group Life Insurance (FEGLI)

The Federal Employees' Group Life Insurance Program (FEGLI) offers Basic Life Insurance that is equal to your annual basic pay, rounded to the next higher $1,000, plus $2,000.

So for example, if your annual salary is $48,108, your insurance would first be rounded to $49,000, then have $2,000 added, making your basic life insurance coverage $51,000.

You can also get three types of optional insurance:         

  • Option A, Standard — in the amount of an additional $10,000 of coverage.
  • Option B, Additional — in an amount from one to five times your annual basic pay (after rounding up to the next $1,000).
  • Option C, Family — provides coverage for your spouse and eligible dependent children in multiples from one to five. Each multiple is equal to $5,000 for your spouse and $2,500 for each eligible child.

If you're in a FEGLI-eligible position, you're automatically enrolled in Basic Life Insurance, which is effective on the first day you enter in a pay and duty status UNLESS you waive this coverage before the end of your first pay period. You do NOT get any optional insurance automatically – you must complete an SF-2817, Life Insurance Election form to enroll in the coverage.

You have 31 days from your entry date to sign up for any Optional life insurance. If you do not make an election, you are considered to have waived optional insurance.

No proof of insurability is required for the Basic insurance you get upon being hired, or any optional insurance you sign-up for during the first 31 days. Proof of insurability may be required for insurance changes after that time.

The cost of Basic insurance is shared between you and the Government. You pay 2/3 of the total cost and the Government pays 1/3. Your age does not affect the cost of Basic insurance. You pay the full cost of Optional insurance, and the cost depends on your age.

You can get all the latest information at the OPM web site, just go to http://www.opm.gov/insure/life/index.asp

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