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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: 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+.