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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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Who is eligible to enroll?

FedAdvantage’s critical illness plan is open to all active federal employees working at least 20 hours per week and their families are eligible.  You can enroll in employee-only coverage, employee & spouse coverage, employee and children coverage, or family coverage.