FEGLI Life Insurance Review & Ratings (2022)

This FEGLI Life Insurance Review & Ratings (2021) review will cover FEGLI Life Insurance Review & Ratings (2021) ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The FEGLI Life Insurance Review & Ratings (2021) A.M. Best rating is A+. To compare insurance rates from the best companies in your locale, enter your ZIP code below.

UPDATED: Jun 28, 2022Fact Checked

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 28, 2022

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Company Details
Address: 1900 E Street
City: NW Washington, DC
State: Virginia/Maryland Border
ZIP Code: 20415
Phone Number: 202-606-1800
Website: ww.opm.gov/
Year Founded: 1954
AM Best Rating: A+
Company Rating 0 (0 reviews)

FEGLI life insurance, or Federal Employee Group Life Insurance, is a federal government life insurance program for federal employees. Therefore, FEGLI isn’t available to everyone.

If you’re a new or current federal employee, you’re eligible for FEGLI life insurance quotes.

Continue reading to learn more about FEGLI life insurance rates. Enter your ZIP code in the free comparison tool above to compare multiple companies in your area.

FEGLI Life Insurance Policies

FEGLI Life Insurance Company provides group term life insurance through MetLife Life Insurance Company and the United States federal government.

You can voluntarily buy FEGLI life insurance or cancel your policy at any time if you’re not happy with FEGLI rates or policy.

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How much is FEGLI life insurance?

You may be wondering how to get affordable FEGLI life insurance. FEGLI basic life insurance is based on your age, income, and the option you choose through your federal employer.

The U.S. Office of Personnel Management calculates FEGLI rates by charging 15 cents for each $1,000 of coverage. Therefore, a $65,000 coverage limit would cost $9.75 per month.

FEGLI has an “A+” rating from A.M. Best.

When you select different options and add multipliers, your life insurance rates increase per month. Here’s an example of how FEGLI rates vary.

Comparing FEGLI Life Insurance Rates for Policyholders Aged 45 through 49
FEGLI OptionsMonthly Life Insurance RatesCoverage Amount
No Option$16$52,000
Option A$17$62,000
Option C (with 2 Multipliers)$18$10,000 for Spouse
$5,000 for Child
$52,000 for policyholder
Option A and C$19$10,000 for Spouse
$5,000 for Child
$62,000 for policyholder
Option B (with 2 Multipliers)$30$152,000
Option A and B$31$162,000
Option B and C (with 2 multipliers each)$32$10,000 for Spouse
$5,000 for Child
$152,000 for policyholder
All Options$33$10,000 for Spouse
$5,000 for Child
$162,000 for policyholder
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FEGLI life insurance rates aren’t much different from other life insurance companies. Extra benefits do cost more. Compared to other life insurance companies, FEGLI is slightly more expensive.

Use the FEGLI Calculator to get a preview of what your FEGLI rates will look like once you sign up under your federal employer.

How do you find out how much FEGLI life insurance you have as an annuitant?

Follow these steps to find more information about FEGLI life insurance as an annuitant.

  • Step #1 – Log on to the U.S. Office of Personnel Management’s (OPM) Retirement Services Online
  • Step #2 – Examine and print out a Verification of Life Insurance (VOLI) form (the form shows the amount of coverage and types of FEGLI insurance you have)
  • Step #3 – Request a VOLI from OPM by emailing [email protected] Include your retirement claim number (also known as CSA/CSF)
  • Step #4 – You won’t be able to get FEGLI beneficiary records online

Call OPM’s toll-free phone number at 1-888-767-6738 to learn more about your annuitant status. To file a FEGLI life insurance claim, you can use the FEGLI life insurance phone number at 1-800-633-4542.

Five FEGLI Life Insurance Facts You Should Know

As we bring this article to a close, let’s look at five facts about FEGLI life insurance.

  • You can convert your group life insurance to another company policy
  • Human resource coordinators can show all FEGLI benefits through an Official Personnel Folder (OPF)
  • FEGLI can be carried into your retirement, but you’ll have to contact OPM and fill out a form to apply
  • The U.S. Postal Service employees get FEGLI basic life insurance for free
  • FEGLI rates are ten percent more expensive than World Assurance of Employees of Public Agencies (WAEPA)

These are only a few details about FEGLI. As you enter your federal employment, you’ll experience how FEGLI works.

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FEGLI Life Insurance Review: What’s the bottom line?

FEGLI life insurance is a group term life insurance benefit for United States federal employees. FEGLI rates can be inexpensive, but they can be expensive for senior policyholders.

If FEGLI life insurance rates are more expensive or equal to private life insurance companies, it may not be a bad idea to compare the best insurance companies.

Now that you know more about FEGLI life insurance, use our free comparison tool below to compare the top companies in your local area and secure the best rates.

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