Free tool
FEGLI premium calculator
What your elections cost today, and what the same coverage costs in every age band ahead of you. Everything runs in your browser; nothing you type leaves this page.
What you pay now
Age band 45–49
- Total cover on your life
- $0
- Basic coverage
- $0
- Option B coverage
- $0
- Option C coverage
- $0
- Per pay period
- $0.00
- Per month
- $0.00
- Per year
- $0.00
What it costs as you age
Same elections, same salary. Only the age band changes.
Enter a salary and at least one election to see the projection.
| Age band | Monthly | Per year | Paid to date |
|---|
Total premiums over that period
- Paid by age 65
- $0
The projection assumes your salary stays where it is. In practice Option B and Basic coverage both rise with pay, so the real figures are higher.
What this does not do
- The free Extra Benefit is included in the cover shown: Basic doubles at 35 and under, then falls by 10% a year until it disappears at 45. It costs you nothing.
- It does not model retirement. At 65 the reduction elections change everything, and that decision has its own page.
- It does not compare FEGLI with private insurance. That comparison is here.
- Your agency pays a third of the Basic premium on top of your share, shown above. It pays nothing toward Options A, B or C.
- Postal employees are a special case: the Postal Service pays the entire cost of Basic, so the Basic figure here does not apply to you.
Educational estimate only. Not insurance advice. Confirm your elections and coverage against your leave and earnings statement and with your HR office.