Federal Employee Group Life Insurance is offered to all government employees. Under FEGLI, employees are provided with three kinds of coverage: group term life without a medical exam, accidental death and dismemberment insurance that provides double indemnity protection, and a "living benefit" for terminally ill employees. Eligible employees are automatically covered for Basic Life unless they specifically state in writing that they do not want it.

The cost of FEGLI can increase every year based upon your annual salary. It builds NO CASH VALUE, NO LOAN VALUE, or provides you with PAID UP EXTENDED INSURANCE. It is intended as a form of immediate protection in the event of Death, Dismemberment, or Terminal Illness. Coverage may be extended, but at a very High Cost and with decreasing Face Amounts!

Note: You do have options to keep 100% - 50% of coverage.