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Frequently Asked Questions Insurance

When is the next FEGLI life insurance open season?

Increasing life insurance: 

FEGLI life insurance open seasons are extremely rare and none are currently scheduled.  Your agency and OPM's website will announce when there is a life insurance open season coming up.  The most recent FEGLI open seasons were held in 2004 and 1999.

Outside of an open season, eligible employees can enroll or increase their coverage by taking a physical exam or with a Qualifying Life Event.

For more information about the physical exam, please see SF 2822.

FEGLI life events are marriage, divorce, death of spouse, or acquisition of an eligible child.  With a life event, you can enroll or increase coverage in Basic, Option A, up to five multiples of Option B, and/or up to five multiples of Option C.  You must submit an SF 2817 to your human resources office within 60 days after the life event.

Reducing or cancelling life insurance:

You can reduce or cancel your FEGLI life insurance at any time, without waiting for an open season.  

If you are an employee, submit an SF 2817 to your human resources office, signing only for the coverage you want to keep.  

If you are retired, there is no form; you must write a signed letter to OPM's Retirement Office stating clearly the reduction or cancellation you want to make.  Be sure to include your signature, annuity number (CSA/CSF) or social security number, and your phone number.  Send the letter to:

  • Office of Personnel Management 
  • Retirement Operations Center 
  • P.O. Box 45 
  • Boyers, PA 16017-0045

Please note that you cannot enroll, increase coverage, or restore cancelled coverage after you have retired.

Changing beneficiaries:

You can change beneficiaries at any time, without waiting for an open season.  Submit an SF 2823 to your human resources office, or to OPM's Retirement Office if you have retired.  The address for OPM's Retirement Office is on page 3 of the form.

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