What is the Federal Employees Group Life Insurance (FEGLI) program?

The Federal Employees Group Life Insurance program, commonly referred to as FEGLI, is a life insurance benefit available to federal employees, certain employees of the Postal Service, and other qualified individuals in the federal system. This program, administered by the U.S. Office of Personnel Management, provides group term life insurance to eligible participants. FEGLI is designed to offer federal employees a way to obtain life insurance coverage without needing to provide evidence of good health, which can often be a requirement for individual life insurance policies. The program typically includes different options, such as basic coverage, optional coverage, and different levels of benefits, allowing employees to choose a plan that best meets their individual needs. Basic coverage is automatically provided unless an employee opts out, and it is based on the employee's salary and years of service. Optional coverage allows employees to supplement their basic protection by purchasing additional coverage for themselves or their family members. Premiums for FEGLI are deducted from employees' paychecks, making it a convenient way for federal workers to maintain life insurance protection. For those seeking specifics about coverage, benefits, and eligibility requirements, it is advisable to review the current information available on the official OPM website.