The FEGLI Basic insurance premium is a level rate per one thousand dollars of coverage. The level premium feature means the enrollee premium rates are equal for the duration of the coverage period. The rate for an individual enrollee does not change as the enrollee ages (although the rate structure for all enrollees is subject to periodic adjustments based on claims experience). This means a younger employee pays the same cost for Basic coverage as a 64-year-old retiree. For example:

AGE	Same Basic Biweekly Cost (per $1000 of coverage)	Same Basic Monthly Cost (per $1000 of coverage)
25-year-old active employee	$0.1600	$0.3467
64-year-old retiree

This feature balances the premium over time, making the enrollee cost more predictable. The enrollee pays an average cost over the term of their coverage.

As required by law, Basic insurance coverage uses a composite premium structure. This means the Basic premium rate is the same for each enrollee in the group policy, regardless of age or health status. As such, younger employees may pay a comparatively higher premium than they would with coverage based, in part, on age (like Optional insurance) or with a commercial individually underwritten policy. Younger employees are covered by an additional Basic insurance provision called the Extra Benefit, however, which doubles the amount of Basic insurance payable at no extra cost for enrollees age 35 or younger. Beginning on an enrollee's 36th birthday, the Extra Benefit decreases 10% each year until age 45, after which, there is no Extra Benefit. So, for a 40-year-old employee, (i.e., 5 years younger than age 45) the benefit increases 10% for each year under age 45. In this example, the Extra Benefit would increase the Basic Insurance Amount (BIA) of $48,000 by an additional 50%.

Enrollee	Basic Insurance Amount	Age	Coverage
Joe	$48,000	40	$72,000 ($48,000 + $24,000)
Sara		52	$48,000

Unlike many other employer-sponsored life insurance programs, FEGLI coverage can be continued into retirement. The FEGLI retirement benefit is prefunded by premium costs so that after age 65 (or at retirement, if later) some coverage can be continued by retirees at no cost. The cost of this post-65 benefit is included in the FEGLI Basic level premium. The net effect of the level premium and post-65 benefit is that younger enrollees' premiums cover the cost of coverage they currently have, and also pre-funds a portion of the costs related to coverage they will have later in their careers and in retirement. Since the Government contributes a share of the Basic premium, the employee share remains relatively competitive with the cost of private term insurance.

These rates were effective on the first pay period that started on or after October 1, 2021. For earlier rates see our rates history pages.

• Rates for Basic Life Insurance
• Rates for Option A - Standard
• Rates for Option B - Additional
• Rates for Option C - Family

Cost for each $1,000 of the Basic Insurance Amount in Effect at the Time of your Retirement

Time	75% Reduction	50% Reduction	No Reduction
Until the Month after your 65th Birthday	$0.3467 monthly	$1.0967 monthly	$2.5967 monthly
Starting the Month after your 65th Birthday	Free	$0.75 monthly*	$2.25 monthly*

* You will continue to pay premiums for life (unless you cancel or subsequently elect 75% Reduction).

Rates May Change in the Future

Rates for Option A - Standard (Monthly)

Age Group	Rate
Under 35	$0.43
35–39	$0.43
40–44	$0.65
45–49	$1.30
50–54	$2.17
55–59	$3.90
60–64	$13.00
65+	Free

Rates May Change in the Future

Rates for Option B - Additional

Age Group	Monthly, per $1000 of coverage
Under 35	$0.043
35–39	$0.043
40–44	$0.065
45–49	$0.130
50–54	$0.217
55–59	$0.390
60–64	$0.867
65 and over	Free* (But See Below)

* For eligible annuitants who elected No Reduction for Option B, coverage is NOT free for age 65+. These annuitants must continue to pay premiums as shown below for No Reduction Option B coverage.

Age Group	Monthly, per $1000 of coverage
65–69	$1.040
70–74	$1.863
75–79	$3.900
80 and over	$6.240

Rates may change in the future.

Rates for Option C - Family
1 Multiple = $5,000 For A Spouse
1 Multiple = $2,500 For Each Eligible Dependent Child

Annuitant's Age Group	Monthly, per multiple
Under 35	$0.43
35–39	$0.52
40–44	$0.80
45–49	$1.15
50–54	$1.80
55–59	$2.88
60–64	$5.27
65+	Free* (But See Below)

* For eligible annuitants who elected No Reduction for Option C, coverage is NOT free for age 65+. These annuitants must continue to pay premiums, as shown below:

Annuitant's Age Group	Monthly, per multiple
Age 65–69	$6.13
Age 70–74	$8.30
Age 75–79	$12.48
Age 80+	$16.90

Rates may change in the future

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These rates were effective on the first pay period that started on or after October 1, 2021. For earlier rates see our rates history pages.

• Rates for Basic Life Insurance
• Rates for Option A - Standard
• Rates for Option B - Additional
• Rates for Option C - Family

Basic Life Insurance (per thousand dollars)

	Biweekly	Monthly
FOR ALL AGES	$.1600 (16 cents)	$0.3467

Rates May Change in the Future

Rates for Option A - Standard

Age Group	Biweekly	Monthly
Under 35	$0.20	$0.43
35–39	$0.20	$0.43
40–44	$0.30	$0.65
45–49	$0.60	$1.30
50–54	$1.00	$2.17
55–59	$1.80	$3.90
60+	$6.00	$13.00

Rates May Change in the Future

Rates for Option B - Additional

Age Group	Biweekly, per $1,000	Monthly, per $1,000
Under 35	$0.02	$0.043
35–39	$0.02	$0.043
40–44	$0.03	$0.065
45–49	$0.06	$0.130
50–54	$0.10	$0.217
55–59	$0.18	$0.390
60–64	$0.40	$0.867
65–69	$0.48	$1.040
70–74	$0.86	$1.863
75–79	$1.80	$3.900
80 and over	$2.88	$6.240

Rates May Change in the Future

Rates for Option C - Family
1 Multiple = $5,000 For A Spouse
1 Multiple = $2,500 For Each Eligible Dependent Child

Employee's Age Group	Biweekly, per multiple	Monthly, per multiple
Under 35	$0.20	$0.43
35–39	$0.24	$0.52
40–44	$0.37	$0.80
45–49	$0.53	$1.15
50–54	$0.83	$1.80
55–59	$1.33	$2.88
60–64	$2.43	$5.27
65–69	$2.83	$6.13
70–74	$3.83	$8.30
75–79	$5.76	$12.48
80 and over	$7.80	$16.90

Rates May Change in the Future

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Bi-weekly Rates Effective January 1, 2016*

BASIC (Per $1,000)
Government	.0750
Employee	.1500
Total	.2250

Age Groups	Option A	Option B (per $1,000)	Option C (per multiple)
Under 35	0.20	0.02	0.22
35 – 39	0.30	0.03	0.27
40 – 44	0.40	0.04	0.41
45 – 49	0.70	0.07	0.59
50 – 54	1.10	0.11	0.92
55 – 59	2.00	0.20	1.48
60 – 64	6.00	0.44	2.70
65 – 69	6.00	0.54	3.14
70 – 74	6.00	0.96	3.83
75 – 79	6.00	1.80	5.26
80 and over	6.00	2.64	7.20

*These rates were effective on the first pay period that started on or after January 1, 2016.

Bi-weekly Rates Effective January 1, 2012*

BASIC (Per $1,000)
Government	.0750
Employee	.1500
Total	.2250

Age Groups	Option A	Option B (per $1,000)	Option C (per multiple)
Under 35	0.30	0.02	0.22
35 – 39	0.40	0.03	0.29
40 – 44	0.60	0.05	0.42
45 – 49	0.90	0.08	0.63
50 – 54	1.40	0.13	0.94
55 – 59	2.70	0.23	1.52
60 – 64	6.00	0.52	2.70
65 – 69	6.00	0.62	3.14
70 – 74	6.00	1.14	3.60
75 – 79	6.00	1.80	4.80
80 and over	6.00	2.40	6.60

*These rates were effective on the first pay period that started on or after January 1, 2012.

Bi-weekly Rates Effective January 1, 2005*

BASIC (Per $1,000)
Government	.0750
Employee	.1500
Total	.2250

Age Groups	Option A	Option B (per $1,000)	Option C (per multiple)
Under 35	.30	.03	.27
35 – 39	.40	.04	.34
40 – 44	.60	.06	.46
45 – 49	.90	.09	.60
50 – 54	1.40	.14	.90
55 – 59	2.70	.28	1.45
60 – 64	6.00	.60	2.60
65 – 69	6.00	.72	3.00
70 – 74	6.00	1.20	3.40
75 – 79	6.00	1.80	4.50
80 and over	6.00	2.40	6.00

*These rates were effective on the first pay period that started on or after January 1, 2005.

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Bi-weekly Rates Effective January 1, 2004*

BASIC (Per $1,000)
Government	.0750
Employee	.1500
Total	.2250

Age Groups	Option A	Option B (per $1,000)	Option C (per multiple)
Under 35	.30	.03	.27
35 – 39	.40	.04	.34
40 – 44	.60	.06	.46
45 – 49	.90	.09	.60
50 – 54	1.40	.14	.90
55 – 59	2.70	.28	1.45
60 – 64	6.00	.60	2.60
65 – 69	6.00	.71	3.00
70 – 74	6.00	1.03	3.40
75 – 79	6.00	1.43	4.50
80 and over	6.00	1.83	6.00

*These rates were effective on the first pay period that started on or after January 1, 2004. They were replaced with new rates that became effective on the first pay period that started on or after January 1, 2005.

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Bi-weekly Rates Effective January 1, 2003*

BASIC (Per $1,000)
Government	.0750
Employee	.1500
Total	.2250

Age Groups	Option A	Option B (per $1,000)	Option C (per multiple)
Under 35	.30	.03	.27
35 – 39	.40	.04	.34
40 – 44	.60	.06	.46
45 – 49	.90	.09	.60
50 – 54	1.40	.14	.90
55 – 59	2.70	.28	1.45
60 – 64	6.00	.60	2.60
65 – 69	6.00	.71	3.00
70 – 74	6.00	.87	3.40
75 – 79	6.00	1.07	4.50
80 and over	6.00	1.27	6.00

*These rates were effective on the first pay period that started on or after January 1, 2003. They were replaced with new rates that became effective on the first pay period that started on or after January 1, 2004.

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Bi-weekly Rates Effective April 24, 2000*

BASIC (Per $1,000)
Government	.0775
Employee	.1550
Total	.2325

Age Groups	Option A	Option B (per $1,000)	Option C (per multiple)
Under 35	.30	.03	.27
35 – 39	.40	.04	.34
40 – 44	.60	.06	.46
45 – 49	.90	.10	.60
50 – 54	1.40	.15	.90
55 – 59	2.70	.31	1.45
60 – 64	6.00	.70	2.60
65 – 69	6.00	.70	3.00
70+	6.00	.70	3.40

*These rates were effective on the first pay period that started on or after April 24, 2000. They were replaced with new rates that became effective on the first pay period that started on or after January 1, 2003.

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Bi-weekly Rates Effective April 24, 1999*

BASIC (Per $1,000)
Government	.0775
Employee	.1550
Total	.2325

Age Groups	Option A	Option B (per $1,000)	Option C (per multiple)
Under 35	.30	.03	.27
35 – 39	.40	.04	.34
40 – 44	.60	.06	.46
45 – 49	.90	.10	.60
50 – 54	1.40	.15	.90
55 – 59	2.70	.31	1.45
60 and above	6.00	.70	2.60

*These rates were effective on the first pay period that started on or after April 24, 1999. They were replaced with new rates that became effective on the first pay period that started on or after April 24, 2000.

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Bi-weekly Rates Effective January 1, 1993*

BASIC (Per $1,000)
Government	.0825
Employee	.1650
Total	.2475

Age Groups	Option A	Option B (per $1,000)	Option C
Under 35	.40	.04	.30
35 – 39	.50	.05	.31
40 – 44	.70	.07	.52
45 – 49	1.10	.11	.70
50 – 54	1.80	.18	1.00
55 – 59	3.00	.30	1.50
60 and over	7.00	.70	2.60

*These rates were effective on the first pay period that started on or after January 1, 1993. They were replaced with new rates that became effective on the first pay period that started on or after April 24, 1999.

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Bi-weekly Rates Effective August 1, 1986*

BASIC (Per $1,000)
Government	.0925
Employee	.1850
Total	.2775

Age Groups	Option A	Option B (per $1,000)	Option C
Under 35	.40	.04	.30
35 – 39	.50	.05	.31
40 – 44	.80	.08	.52
45 – 49	1.30	.13	.70
50 – 54	2.20	.22	1.10
55 – 59	4.50	.45	1.75
60 and over	7.00	.85	2.80

*These rates were effective on the first pay period that started on or after August 1, 1986. They were replaced with new rates that became effective on the first pay period that started on or after January 1, 1993.

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Bi-weekly Rates Effective August 1, 1985*

BASIC (Per $1,000)
Government	.1000
Employee	.2000
Total	.3000

Age Groups	Option A	Option B (per $1,000)	Option C
Under 35	.55	.04	.30
35 – 39	.70	.05	.31
40 – 44	1.00	.08	.52
45 – 49	1.60	.16	.72
50 – 54	2.70	.27	1.10
55 – 59	6.00	.60	2.00
60 and over	7.50	.95	3.00

*These rates were effective on the first pay period that started on or after August 1, 1985. They were replaced with new rates that became effective on the first pay period that started on or after August 1, 1986.

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Bi-weekly Rates Effective May 1, 1984*

BASIC (Per $1,000)
Government	.1100
Employee	.2200
Total	.3300

Age Groups	Option A	Option B (per $1,000)	Option C
Under 35	.55	.04	.30
35 – 39	.70	.05	.31
40 – 44	1.00	.08	.52
45 – 49	1.60	.16	.72
50 – 54	2.70	.27	1.10
55 – 59	6.00	.60	2.00
60 and over	7.50	.95	3.00

*These rates were effective on the first pay period that started on or after May 1, 1984. They were replaced with new rates that became effective on the first pay period that started on or after August 1, 1985.

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Bi-weekly Rates Effective April 1, 1981*

BASIC (Per $1,000)
Government	.1200
Employee	.2400
Total	.3600

Age Groups	Option A	Option B (per $1,000)	Option C
Under 35	.60	.05	.50
35 – 39	.80	.07	.60
40 – 44	1.40	.12	.70
45 – 49	2.20	.20	.90
50 – 54	3.20	.30	1.30
55 – 59	7.50	.60	2.00
60 and over	9.00	.95	3.00

*These rates were effective on the first pay period that started on or after April 1, 1981. They were replaced with new rates that became effective on the first pay period that started on or after May 1, 1984.

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Bi-weekly Rates Effective September 1, 1978*

REGULAR (Per $1,000)
Government	.1275
Employee	.2550
Total	.3825

Age Groups	Optional Insurance
Under 35	.60
35 – 39	1.00
40 – 44	1.70
45 – 49	2.40
50 – 54	3.50
55 – 59	7.50
60 and over	9.00

*These rates were effective on the first pay period that started on or after September 1, 1978. They were replaced with new rates that became effective on the first pay period that started on or after April 1, 1981.

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Bi-weekly Rates Effective February 28, 1975*

REGULAR (Per $1,000)
Government	.1775
Employee	.3550
Total	.5325

Age Groups	Optional Insurance
Under 35	.80
35 – 39	1.20
40 – 44	1.90
45 – 49	2.90
50 – 54	4.50
55 – 59	10.50
60 and over	14.00

*These rates were effective on the first pay period that started on or after February 28, 1975. They were replaced with new rates that became effective on the first pay period that started on or after September 1, 1978.

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Bi-weekly Rates Effective July 1, 1973*

REGULAR (Per $1,000)
Government	.1375
Employee	.2750
Total	.4125

Age Groups	Optional Insurance
Under 35	.80
35 – 39	1.20
40 – 44	1.90
45 – 49	2.90
50 – 54	4.50
55 – 59	10.50
60 and over	14.00

*These rates were effective on the first pay period that started on or after July 1, 1973. They were replaced with new rates that became effective on the first pay period that started on or after February 28, 1975.

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Bi-weekly Rates Effective April 1, 1970*

REGULAR (Per $1,000)
Government	.1375
Employee	.2750
Total	.4125

Age Groups	Optional Insurance
Under 35	1.30
35 – 39	1.70
40 – 44	2.40
45 – 49	3.60
50 – 54	5.50
55 – 59	17.00
60 and over	19.00

*These rates were effective on the first pay period that started on or after April 1, 1970. They were replaced with new rates that became effective on the first pay period that started on or after July 1, 1973.

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Bi-weekly Rates Effective February 14, 1968*

REGULAR (Per $1,000)
Government	.1375
Employee	.2750
Total	.4125

Age Groups	Optional Insurance
Under 35	3.00
35 – 54	6.00
55 and over	20.00

*These rates were effective on the first pay period that started on or after February 14, 1968. They were replaced with new rates that became effective on the first pay period that started on or after April 1, 1970.

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Bi-weekly Rates Effective August 28, 1954*

REGULAR (Per $1,000)
Government	.125
Employee	.250
Total	.375

*These rates were effective on the first pay period that started on or after August 28, 1954. They were replaced with new rates that became effective on the first pay period that started on or after February 14, 1968.

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