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You pay 100% of the premiums for your FEGLI Option B coverage. Unlike your Basic Life coverage which offers a level premium for all employees; Option B charges based on your age and the premiums increase every 5 years. Since Option B provides the most life insurance coverage under FEGLI it's the most expensive.

FEGLI charges the same rates regardless of whether or not you smoke, your overall health or if you are a male or female. If you don’t smoke and are reasonably healthy or if you are a female you may be overpaying for your Option B coverage.

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Q: How much Critical Illness coverage am I able to purchase?

First decide who do I want to cover? Just myself, myself and my spouse, myself and my children, or my entire family? 

You do NOT need to cover the same dependents you cover under your medical plan. 

There are three levels of coverage available to Federal Employees:

  • Employee: $10,000; $20,000; or $30,000
  • Spouse: same level as Employee
  • Dependent children: $5,000 with any selected coverage amount.