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OPM.gov / Frequently Asked Questions / Insure FAQ / Life
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Life

Questions and answers



There are two types of FEGLI life insurance: Basic and Optional.  You must enroll in Basic before you can select any Optional coverage.

Basic covers your life in the amount of your annual basic pay rounded up to the next $1,000 plus $2,000.  For example, if your annual basic pay is $47,500, Basic covers your life for $50,000.  The minimum Basic coverage is $10,000.
If you continued Basic into retirement, your Basic coverage is based on your annual basic pay at the time you stopped being insured as an employee.  It is not based on your annuity.

Once you have elected Basic, you are eligible for any or all types of Optional insurance. Optional insures provides coverage in addition to what you have with Basic.

  • Option A Standard
    • Covers your life for $10,000.
  • Option B Additional
    • Covers your life for 1, 2, 3, 4, or 5 multiples of your annual basic pay (after rounding up to the next $1,000).
  • Option C Family
    • Covers the lives of your spouse and eligible children.  You may elect 1, 2, 3, 4, or 5 multiples of coverage. Each multiple is equal to $5,000 for your spouse and $2,500 for each eligible dependent child.
For more information, see the FEGLI Program Booklet.
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