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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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Is there a pre-existing condition?

No. This coverage is offered on a guaranteed issue basis.  So, when you enroll, you are automatically issued coverage.  Any new critical illness that occurs to a covered member on or after the effective date will be covered.