Fegli Rates

FEGLI Rates: Age Multiplication Factor

Federal employees under age 45 covered under FEGLI Basic (basic federal life insurance covereage) automatically have extra coverage without paying any additional premium. This extra coverage increases the amount of FEGLI Basic insurance payable at the time of your death, if you die before age 45.

To determine the amount of the FEGLI extra benefit, multiply your FEGLI Basic Insurance Amount by the appropriate age multiplication factor and FEGLI Rates as follows:

Your Age at Death Age Multiplication Factor
35 or under 2.0
36 1.9
37 1.8
38 1.7
39 1.6
40 1.5
41 1.4
42 1.3
43 1.2
44 1.1
45 and over 1.0

FEGLI Rates for Different Types of Coverage

FEGLI premiums under the FEGLI program depend on the type of coverage you elect.

Basic FEGLI

75% Reduction 50% Reduction No Reduction
Until the Month after your 65th Birthday $0.325 monthly $0.965 monthly $2.265 monthly
Starting the Month after your 65th Birthday Free $0.64 monthly $1.94 monthly

FEGLI Option A -Optional Coverage

Age Monthly Rate

Under 35 $0.65
35-39 $0.87
40-44 $1.30
45-49 $1.95
50-54 $3.03
55-59 $5.85
60-64 $13.00
65+ Free

FEGLI Option B – Additional Coverage

Age Group Monthly, per $1000 of coverage
Under 35 $0.043
35-39 $0.065
40-44 $0.108
45-49 $0.173
50-54 $0..282
55-59 $0.498
60-64 $1.27
65 and over Free*
* For eligible annuitants who elect “No Reduction” for Option B, coverage is not free for age 65+. These annuitants must continue to pay premiums as shown below for No Reduction Option B coverage.
Age Group Monthly, per $1000 of coverage
65-69 $1.343
70-74 $2.47
75-79 $3.90

FEGLI Option C- Family Coverage**

Age Group Monthly, per $1000 of coverage
65-69 $1.343
70-74 $2.47
75-79 $3.90

FEGLI Option C- Family Coverage**

Annuitant’s Age Group Monthly, per multiple
Under 35 $0.48
35-39 $0.63
40-44 $0.91
45-49 $1.37
50-54 $2.04
55-59 $3.29
60-64 $5.85
65+ Free*
*For eligible annuitants who elected No Reduction for FEGLI Option C, coverage is not free for age 65+. These annuitants must continue to pay premiums, as shown below:
Annuitant’s Age Group Monthly, per multiple
Age 65-69 $6.80
Age 70-74 $7.80
Age 75-79 $10.40
Age 80+ $14.30
**1 Multiple = $5,000 for a spouse or $2,500 for each eligible dependent child.