Most federal employees never review their FEGLI coverage after enrollment. Meanwhile, premiums spike at 50, 60, and 65 — and nobody's asking whether you still need that much protection.
FEGLI premiums are deducted from your paycheck every month, but most federal employees never stop to calculate what they're actually paying over a year — or a decade. The real shock comes at 50, 60, and 65, when rates jump and you finally notice.
Most federal employees never look at their FEGLI coverage after they enroll. Then the premiums spike at 50, 60, and 65, and nobody stops to ask if they still need that much protection.
You could be paying $500, $800, or $1,200 or more per month for coverage you no longer need — while your mortgage is paid off, your kids are grown, and your retirement is fully funded.
Life insurance needs change dramatically between your 30s and your 60s. A coverage amount that made sense at enrollment may be dramatically over or under what your family actually needs today.
We look at your current elections, calculate what you're paying, and figure out what you actually need based on your timeline and family — then compare FEGLI against private alternatives.
Premiums are low. Most employees enroll in Basic and one or more options without comparing total annual cost.
Option B premiums jump significantly. Many employees notice the paycheck change but don't reassess their actual coverage needs.
Premiums climb again. If you're within five years of retirement, this is when a coverage review pays for itself many times over.
Your election at retirement determines what coverage carries forward — and at what cost. This decision cannot be undone.
A complete FEGLI review isn't just about premiums. It's about whether your coverage still fits your life — and whether there's a smarter way to protect your family for less.
We start with what you have now, why you originally elected it, and whether your Basic coverage still makes sense given your current financial picture.
Each option costs differently and serves a different purpose. We run the real numbers — what you pay monthly now, what you'll pay at 60 and 65, and whether each election still fits.
We analyze how much life insurance your family actually needs — accounting for income replacement, outstanding debts, mortgage balance, and how your needs will shift in retirement.
Your coverage needs change when you stop working. We calculate what makes sense to carry into retirement — and what you're paying for protection you may no longer need.
Sometimes private coverage provides the same protection for significantly less. We compare your FEGLI cost against private alternatives so you can make an informed decision.
FEGLI and your survivor benefit election often work at cross purposes. We show you how they interact and build a protection strategy that doesn't leave gaps or double up unnecessarily.
See what you're actually paying in FEGLI premiums today — and what those costs will look like at 60, 65, and into retirement. Run your numbers before we meet.
Schedule a free FEGLI analysis. We'll run your numbers, show you what your premiums will look like at retirement, and compare your options side by side.