The Federal Employees' Group Life Insurance program provides basic and optional coverage during your working years, but the cost structure changes dramatically at retirement. Many federal employees pay far more than they need to for FEGLI in their retirement years — often for coverage that no longer fits their situation.
What you'll find here
FEGLI is straightforward while you're working. The decisions get more complicated as you approach retirement, when premiums step up and outside options become worth comparing. These are the topics worth understanding at every stage.
The premium steps at age 65 and beyond — and why the same coverage can quietly cost several times more.
What each component of FEGLI covers, how it's priced, and which combinations of coverage actually fit different situations.
The specific conditions where replacing FEGLI with private coverage produces meaningful savings without giving up protection.
Term length, premium stability, and portability — how private term works differently from FEGLI's structure.
When permanent coverage belongs in a federal retiree's plan, and when it's an expensive answer to the wrong question.
How FEGLI Option C works for family members, and where private options may be a better fit.
Book a free 30-minute benefits review with a licensed consultant. FERS, TSP, PSHB or FEHB, FEGLI — reviewed together, no cost, no obligation.
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