FEGLI Program Premiums for Annuitants

Federal Employees' Group Life Insurance Program

Premiums

Premiums for Annuitants

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

These rates were effective on the first pay period that started on or after January 1, 2004. For earlier rates see our rates history pages.

Use our FEGLI Calculator to see how these rates apply to you and to see the effect of various option changes.

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

	75% Reduction	50% Reduction	No Reduction
Until the Month after your 65^th Birthday	$0.325 monthly	$0.925 monthly	$2.155 monthly
Starting the Month after your 65^th Birthday	Free	$0.60 monthly*	$1.83 monthly*

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

Rates for Option A - Standard

(Monthly)

Age Group
Under 35	$0.65
35-39	$0.87
40-44	$1.30
45-49	$1.95
50-54	$3.03
55-59	$5.85
60-64	$13.00
65+	Free

Rates for Option B - Additional

Age Group	Monthly, per $1000 of coverage
Under 35	$0.065
35-39	$0.087
40-44	$0.130
45-49	$0.195
50-54	$0.303
55-59	$0.607
60-64	$1.30
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 $1.538

70-74 $2.232

75-79 $3.098

80 and over $3.965

Option B rates for everyone age 65 and older will increase in January 2005. Click here for the January 2005 rates

Rates for Option C - Family

Age Group	Monthly, per multiple
Under 35	$0.59
35-39	$0.74
40-44	$1.00
45-49	$1.30
50-54	$1.95
55-59	$3.14
60-64	$5.63
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:

Age Group	Monthly, per multiple
Age 65-69	$6.50
Age 70-74	$7.37
Age 75-79	$9.75
Age 80+	$13.00


Strategic Management of Human Capital	Employment and Benefits	Career Opportunities

RATES MAY CHANGE IN THE FUTURE