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Regardless of your age when you retire, the retiree life benefits under FEGLI don’t start until you reach age 65. Retiree life options under FEGLI allow for employees to gradually reduce their insurance while discontinuing their premiums. If you retire from federal service prior to age 65, you will continue to pay your FEGLI premiums at the same rates as an active employee.
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Q: Will my premiums increase with age?

Yes,  our program is an age-banded group contract.

Regular Employees age-bands: Under 35, 35-44, 45-49, 50-54, 55-59, and 60 & over.

Special Groups Employees age bands:  Under 35, 35-44, 45-49, 50-54, and 55-57).
(Special groups employees are law enforcement officers, firefighters, and air traffic controllers covered under the special groups retirement provision.)