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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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As a Federal Employee, why do I need Accident Insurance?

Federal Employees have access to a really good medical insurance options within their FEHB program, however, no single medical plan covers everything at 100%. As a result budgeting for out of pocket costs for medical services is easier when the procedure is planned than when its not. When a person suffers an unexpected accident, often times expenses come up that they haven’t planned for and sometimes these expenses aren’t reimbursable by medical insurance. You need Accident insurance to provide lump sum cash benefits to use how you want and to pay the expenses you have.