FEGLI Life Insurance Calculator
Estimate your Federal Employees' Group Life Insurance coverage and premiums
Pay Scale & Grade
Locality Pay Area
✓ Extra Benefit active: Basic coverage doubled (decreases 10%/yr after age 35 until 45). 5 CFR § 870.202
Coverage Selection
Basic Coverage
$106,000 coverage (incl. Extra Benefit) · $8.48/pp
Option A – Standard
$10,000 · $0.20/pp (age 35)
Option B – Additional
1–5× your annual salary in additional coverage
Total Coverage
$106,000
Biweekly cost
$8.48
Annual cost
$220.48
Cost Breakdown
Basic
$106,000 coverage
$8.48/pp
$220.48/yr
Includes Extra Benefit: $53,000 BIA → $106,000 total coverage at no extra cost
$8.48/pp
$220.48/year
Annual Cost as You Age
Option A and B premiums rise sharply after age 60. This shows your projected annual cost at 5-year intervals.
Basic: Coverage = salary rounded up to nearest $1,000 + $2,000. You pay $0.16/pp per $1,000; the government pays ~⅓ of the cost. Extra Benefit doubles coverage at age ≤35, decreasing 10%/yr until age 45 (then $0). 5 U.S.C. § 8702; 5 CFR § 870.202
Option A: $10,000 flat coverage. Age-based biweekly rates from $0.20 (youngest) to $6.00 (oldest). 5 CFR § 870.403
Option B: 1–5× annual salary. Age-based rate per $1,000 of coverage per pay period. 5 CFR § 870.404
Estimates only. Actual premiums and coverage depend on your enrollment status, salary changes, and OPM rate updates. Consult your HR office or OPM.gov for official figures.