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U.S. Office of Personnel Management - Recruiting, Retaining and Honoring a World-Class Workforce to Serve the American People


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This page can be found on the web at the following url:
http://www.opm.gov/insure/life/rates/em_rates.asp

Insurance Programs

  1. New / Prospective Employees
  1. Federal Employees
  1. Retirees / Survivors
  1. Benefits Officers
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Life

Premiums for Employees

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

These rates were effective on the first pay period that started on or after January 1, 2012. For earlier rates see our rates history pages.


Basic Life Insurance (per thousand dollars)
  Biweekly Monthly
FOR ALL AGES $.150 (15 cents) $0.3250

Rates May Change in the Future


Rates for Option A - Standard
Age Group Biweekly Monthly
Under 35 $0.30 $0.65
35-39 $0.40 $0.87
40-44 $0.60 $1.30
45-49 $0.90 $1.95
50-54 $1.40 $3.03
55-59 $2.70 $5.85
60+ $6.00 $13.00

Rates May Change in the Future


Rates for Option B - Additional
Age Group Biweekly Monthly, per $1,000
Under 35 $0.02 $0.043
35-39 $0.03 $0.065
40-44 $0.05 $0.108
45-49 $0.08 $0.173
50-54 $0.13 $0.282
55-59 $0.23 $0.498
60-64 $0.52 $1.127
65-69 $0.62 $1.343
70-74 $1.14 $2.470
75-79 $1.80 $3.90
80 and over $2.40 $5.20

Rates May Change in the Future


Rates for Option C - Family

1 Multiple = $5,000 For A Spouse
1 Multiple = $2,500 For Each Eligible Dependent Child

Employee's Age Group Biweekly Monthly, per multiple
Under 35 $0.22 $0.48
35-39 $0.29 $0.63
40-44 $0.42 $0.91
45-49 $0.63 $1.37
50-54 $0.94 $2.04
55-59 $1.52 $3.29
60-64 $2.70 $5.85
65-69 $3.14 $6.80
70-74 $3.60 $7.80
75-79 $4.80 $10.40
80 and over $6.60 $14.30

Rates May Change in the Future