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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 the insurance carrier?

The Hartford is one of the leading providers of critical illness and accident and has been recognized for our financial stability and integrity for over 50 years in the group benefits business. Critical Illness is available to help employees and their families prepare for life altering, often unexpected, illnesses by offering ancillary benefits after a positive diagnosis. Our coverage helps provide financial support during these critical periods while helping to encourage continued health by providing a benefit towards wellness screenings. Our accident coverage offers flexible scheduled benefits for everyday emergencies and injuries, as well as catastrophic injuries and death.