FEGLI Insurance Review & Complaints

The Federal Employee Group Life Insurance or FEGLI life insurance is a federal program that provides group life insurance for federal employees. You can only receive FEGLI life insurance quotes from the federal government. FEGLI's A.M. Best rating is A+, which is better than most private companies. Compare FEGLI life insurance rates to multiple companies as you shop around to find the best deal.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 1, 2022

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The Highlights

  • FEGLI is a federal program that provides group life insurance for federal employees
  • Your age is the most significant factor that determines FEGLI rates
  • Use the FEGLI calculator to get a sample quote before sign up for FEGLI basic life insurance
  • If you’re not a federal employee, you can’t buy FEGLI life insurance

FEGLI life insurance is one of the many perks federal employees can receive through the government. Under FEGLI, you can get term life insurance at a rate that competes with some of the best insurance companies.

So how much do FEGLI rates cost? Continue reading our guide to learn more about FEGLI, how much it costs, and how it works.

FEGLI life insurance may be restricted to federal employees, but you can enter your ZIP code to find life insurance rates in your local area.

What is FEGLI?

FEGLI is the federal government’s version of a life insurance company. However, FEGLI only provides coverage for federal employees and their spouses.

Non-federal employees can’t get quotes from the FEGLI life insurance company.

Eligible employees of the federal government can access affordable FEGLI life insurance and compare it to other companies.

If you’re not happy with your current FEGLI policy, you can transfer your policy to another company. However, you’ll need to get approval from the life insurance company where you want a policy.


The Worldwide Assurance for Employees of Public Agencies (WAEPA) is an excellent alternative if FEGLI Option B is too expensive. WAEPA life insurance rates are usually ten percent less than FEGLI until the policyholder turns 60.

Under WAEPA, 60-year-old policyholders will lose a portion of their death benefits. By contrast, FEGLI’s policy rates increase, but your death benefit doesn’t decrease.

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How much is FEGLI life insurance?

According to the U.S. Office of Personnel Management, the basic term life policy at FEGLI will cost an employee 15 cents (for each $1,000 of coverage) every two weeks. The federal government pays one-third of the cost, and the federal employee pays two-thirds of the basic insurance.

U.S. Postal Service employees get FEGLI basic life insurance for free. Federal employees who want to expand into optional coverage or additional insurance (also called optional insurance) have to pay their policies in full.

How does FEGLI work?

The moment you’re hired as a federal employee, your FEGLI benefits start when you’ve been locked into the payment system.  Your perks begin right away, and FEGLI is deducted from your paycheck. The amount taken from your check will depend on your estimated salary, which is 15 cents for every $1,000 of coverage.

If your salary is estimated at $75,000, FEGLI will deduct $11.25 per month for basic coverage.

How do you compare FEGLI rates?

The best method to compare FEGLI insurance quotes is by using the FEGLI Calculator. Your FEGLI premiums depend on your age, annual salary, and the coverage option you need, including family coverage.

Option A is a standard coverage, and your age and annual income determine it.

However, Option B gives you more perks after retirement, but it costs more. The older you get, the more you’ll pay for Option B. If you want to cover a spouse and child, you’ll need to enroll in Option C.

Let’s compare Option A, Option B, and Option C for a federal employee who’s between 45 and 49.

Comparing FEGLI Life Insurance Rates for Policyholders Aged 45 through 49
FEGLI OptionsMonthly Life Insurance RatesCoverage Amount
No Option$16$52,000
Option A$17$62,000
Option C (with 2 Multipliers)$18$10,000 for Spouse
$5,000 for Child
$52,000 for policyholder
Option A and C$19$10,000 for Spouse
$5,000 for Child
$62,000 for policyholder
Option B (with 2 Multipliers)$30$152,000
Option A and B$31$162,000
Option B and C (with 2 multipliers each)$32$10,000 for Spouse
$5,000 for Child
$152,000 for policyholder
All Options$33$10,000 for Spouse
$5,000 for Child
$162,000 for policyholder
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Our research is based on federal employees who earn $50,000 per year and are not U.S. Postal Service employees. Like any major life insurance company, your FEGLI life insurance quotes increase with more coverage options. Under Option C of FEGLI, an employee’s eligible family members are provided automatic coverage.

When compared to other companies, FEGLI is roughly the same. Banner Life insurance program is about $37 per month for policyholders between 45 and 49. That’s close to FEGLI’s policy cost.

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FEGLI Life Insurance Conversion

You don’t have to stick with FEGLI. You can convert your FEGLI policy to another company. Why? FEGLI insurance rates increase as you get older. It may be in your best interest to move your FEGLI to another company.

This will open up opportunities to other policy types such as permanent life insurance or term life insurance with a rider.

FEGLI conversions only work when you end your FEGLI policy. Before you leave your federal government job, start making plans to move your FEGLI policy. Get a medical exam and start shopping around for a reliable life insurance policy.

If you have a term life policy, you can forget about a cash value. Term life insurance policies are designed to cover you as long as you’re making payments. However, FEGLI options and other optional benefits can help you more post-retirement.

Your annual income won’t be a factor once you move to a private company, but your age, health, and lifestyle will be a factor. Younger policyholders pay the least, while smokers pay a lot more.

Can I continue my FEGLI benefit after I retire?

The short answer is yes. FEGLI policyholders need to complete an Office of Personnel Management (OPM) Continuation of Life Insurance Coverage form and turn it into the OPM representatives right away.

You can call the U.S. Office of Personnel Management at 1-888-767-6738. Or you can mail in your form to the address: U.S. Office of Personnel Management at 1900 E. Street, NW, Washington, D.C. 20415-1000.

FEGLI Life Insurance: The Bottom Line

Ultimately, FEGLI is designed as a benefit for federal employees that need life insurance. The federal government pays for life insurance through your paycheck, but you’ll pay a larger portion. Also, you won’t miss too much from your monthly income.

However, FEGLI is a term life policy. As you get older, your premium costs will increase to the same prices as those offered by private companies. Therefore, it may be better to find a private company.

If you want to switch from FEGLI life insurance and go with a private company, enter your ZIP code in the free online quote tool below to compare multiple companies in your area.

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