1. GPM Life
  2. Serving Your Needs
  3. Federal Employees
  4. What is FEGLI
  5. FEGLI Costs

FEGLI Costs

FEGLI is group term life insurance, meaning it does not build cash values or paid-up insurance values. The cost of FEGLI coverage increases as you age. Understanding these costs and your options for coverage can help you make decisions about your benefits.

Understanding the true costs of FEGLI coverage

These example costs are based on a non-smoking female, age 50, with a retirement age goal of 58.

This chart is an example only, and actual coverage costs may vary depending on your individual situation and coverage amounts.

The GPM Life Option

The premiums and cash values shown are based on current (estimated) values using the GPM Life universal life product.

We can help you understand your federal benefits, the costs and options that you have.

Total cost and cash value of FEGLI coverage for this example

Age 65:

Total Cost

FEGLI: $37,665

GPM Life: $60,760

Projected Cash Value

FEGLI: $0

GPM Life: $50,601

Age 75:

Total Cost

FEGLI: $116,014

GPM Life: $101,215

Projected Cash Value

FEGLI: $0

GPM Life: $122,339

Age 85:

Total Cost

FEGLI: $322,082

GPM Life: $141,670

Projected Cash Value

FEGLI: $0

GPM Life: $212,148