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.

Your details Annual basic pay

Your age Project to age

Your elections Basic — pay rounded up to the next $1,000, plus $2,000 Option A — $10,000 Option B — multiples of pay Option C — family multiples

What you pay now

Age band 45–49

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.

Cost by age band, to age 65
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

It does not include the free Extra Benefit that doubles Basic cover at 35 and under and phases out by 45. Your cover may be larger than shown; the premium is unaffected.
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.
Agency contributions are not shown. Your agency pays a third of the Basic premium on top of your share.

Educational estimate only. Not insurance advice. Confirm your elections and coverage against your leave and earnings statement and with your HR office.