U.S. Office of Personnel Management - Ensuring the Federal Government has an effective civilian workforce
Insurance Services Programs
Federal Employees' Group Life Insurance Program
Premiums for Annuitants
These rates were effective on the first pay period that started on or after January 1, 2005. For earlier rates see our rates history pages. |
 Use our FEGLI Calculator to see how these rates apply to you and to see the effect of various option changes. |
Cost for each $1,000 of the Basic Insurance Amount in Effect at the Time of your Retirement
| 75% Reduction | 50% Reduction | No Reduction | |
|---|---|---|---|
| Until the Month after your 65th Birthday | $0.325 monthly | $0.925 monthly | $2.155 monthly |
| Starting the Month after your 65th Birthday | Free | $0.60 monthly* | $1.83 monthly* |
* You will continue to pay premiums for life (unless you cancel or subsequently
elect 75% Reduction).
RATES MAY CHANGE IN THE FUTURE
Rates for Option A - Standard
(Monthly)
| Age Group | |
| 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 |
RATES MAY CHANGE IN THE FUTURE
Rates for Option B - Additional
| Age Group | Monthly, per $1000 of coverage |
| Under 35 | $0.065 |
| 35-39 | $0.087 |
| 40-44 | $0.130 |
| 45-49 | $0.195 |
| 50-54 | $0.303 |
| 55-59 | $0.607 |
| 60-64 | $1.30 |
| 65 and over | Free* (BUT see below) |
* For eligible annuitants who elected 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.
|
RATES MAY CHANGE IN THE FUTURE
Rates for Option C - Family
| 1 Multiple = $5,000 For A Spouse 1 Multiple = $2,500 For Each Eligible Dependent Child |
| Annuitant's Age Group | Monthly, per multiple |
| Under 35 | $0.59 |
| 35-39 | $0.74 |
| 40-44 | $1.00 |
| 45-49 | $1.30 |
| 50-54 | $1.95 |
| 55-59 | $3.14 |
| 60-64 | $5.63 |
| 65+ | Free* (BUT see below) |
*For eligible annuitants who elected No Reduction for 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 | $6.50 |
| Age 70-74 | $7.37 |
| Age 75-79 | $9.75 |
| Age 80+ | $13.00 |
RATES MAY CHANGE IN THE FUTURE
U.S. Office of Personnel Management 1900 E Street NW, Washington, DC 20415 | (202) 606-1800 | TTY (202) 606-2532