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

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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.

Total cost and cash value of FEGLI coverage for this example

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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

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