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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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Will my premiums increase with age after my initial enrollment?
No! The monthly premiums are age-banded. However, once you are enrolled in the Plan, your premiums will remain the same and do not increase with age. The age bands for initial enrollment are: Under 40, 40-49, and 50+.