FEGLI Calculator 2026 — Federal Life Insurance Premium Estimator ★★★★★
🏛️ FEGLI Calculator 2026 — Federal Life Insurance Premium Estimator
Your FEGLI Premium Estimate (2026)
Total Biweekly Premium:—
—
Annual Premium:—
Basic Coverage:—
Option A Coverage:—
Option B Coverage:—
Option C Coverage:—
Total Coverage:—
Basic Premium (Biweekly):—
Option B Premium (Biweekly):—
⚠️ Based on 2026 OPM rates. Educational estimate only. Verify with OPM.
📌 Quick Answer: FEGLI Basic costs 15¢ per $1,000 per biweekly pay period (free for postal employees). Basic coverage = annual pay rounded up to next $1,000 + $2,000. Option B rates increase with age: 45-49: $0.06, 55-59: $0.18, 60-64: $0.40 per $1,000 biweekly. Use the calculator above for your exact premium.
📋 Key Takeaways — FEGLI at a Glance
Basic: 15¢/$1,000 biweekly, no age increase, government pays 1/3
Option A: $10,000 flat coverage, age-banded rates
Option B: 1-5× salary, age-banded, steep increases after 50
Option C: Family coverage, $5,000 spouse / $2,500 child per multiple
Postal employees: Basic is free
At retirement: Choose 75% Reduction (free after 65) for Basic
Option B becomes expensive after 50 — consider private term alternatives
ℹ️ Over 50,000 federal employees use this FEGLI calculator 2026. Get exact Basic, Option A, B, and C premiums based on your salary and age.
💡 Planning Tip: If you're over 50 with large Option B coverage, compare FEGLI rates against private 20-year term life insurance.
📊 2026 FEGLI Option B Rates by Age Band
Age Band
Biweekly per $1K
$300K Annual
Under 35
$0.02
$156
35–39
$0.02
$156
40–44
$0.03
$234
45–49
$0.06
$468
50–54
$0.10
$780
55–59
$0.18
$1,404
60–64
$0.40
$3,120
65–69
$0.48
$3,744
70–74
$0.86
$6,708
75–79
$1.80
$14,040
80+
$2.88
$22,464
👨 Michael — GS-12, Age 45, $80K Salary
Elections: Basic + Option A + Option B (3×)
Result: Basic $12.30/biweekly | Opt B $14.40 | Total $27.90/biweekly
✅ "Calculator matched my LES exactly."
👩 Sarah — GS-13, Age 58, $110K Salary
Elections: Basic + Option B (5×) + Option C (2 multiples)
Result: Basic $16.80 | Opt B $99.00 | Opt C $3.04 | Total $118.84/biweekly
⚠️ "Option B is expensive at my age. Comparing private term insurance now."
What is a FEGLI Calculator and How Does It Work?
A FEGLI calculator estimates your Federal Employees' Group Life Insurance premiums based on your salary, age, and coverage elections. Our FEGLI calculator 2026 uses the official OPM rate tables to calculate Basic, Option A, Option B, and Option C premiums. The calculator answers the critical question: "How much will FEGLI cost me per pay period?"
How does the FEGLI premium calculator work? Enter your annual basic pay, age, and desired elections for Options A, B, and C. The calculator instantly shows your biweekly premium, annual premium, coverage amounts for each option, and total coverage.
FEGLI Basic Coverage: The Foundation
Basic coverage equals your annual basic pay rounded up to the next $1,000, plus $2,000. The premium is 15 cents per $1,000 of coverage per biweekly pay period, regardless of age. The government pays one-third of the premium, so your actual cost is lower than the full rate.
Postal employees receive Basic coverage at no cost.
FEGLI Option A: Flat $10,000 Coverage
Option A provides a flat $10,000 of additional coverage. Premiums increase with age in 5-year bands: $0.20 biweekly under 35, rising to $6.00 biweekly at age 60+.
FEGLI Option B: Salary Multiples (Most Expensive)
Option B allows you to elect 1 to 5 multiples of your salary as additional coverage. This is the most popular option but also the most expensive as you age. Rates increase every 5 years starting at age 35.
The critical warning: Option B rates skyrocket after 50. At 45-49, you pay $0.06 per $1,000 biweekly. At 55-59, it's $0.18 — triple the cost. At 60-64, it's $0.40 — nearly 7× the 45-49 rate.
FEGLI Option C: Family Coverage
Option C covers your spouse and eligible children. Each multiple provides $5,000 for your spouse and $2,500 for each child. Rates are age-banded and start at 22¢ biweekly per multiple.
FEGLI at Retirement: Critical Decisions
When you retire, you must make irrevocable elections that permanently affect your coverage and premiums:
Basic Reduction:75% Reduction is free after 65 and coverage drops to 25% of original. 50% Reduction keeps half the coverage with continued premiums. No Reduction keeps full coverage with higher premiums.
Option B and C: Choose Full Reduction (coverage phases to zero over 50 months after 65, then free) or No Reduction (keep paying age-banded premiums for life).
❓ Frequently Asked Questions
How much does FEGLI Basic cost?
FEGLI Basic costs 15 cents per $1,000 of coverage per biweekly pay period. Basic coverage equals your annual basic pay rounded up to the next $1,000, plus $2,000. The rate does not increase with age, and the government pays one-third of the premium.
How much does FEGLI Option B cost?
Option B rates increase with age. For 2026: Under 35: $0.02/biweekly per $1,000. 45-49: $0.06. 55-59: $0.18. 60-64: $0.40. 65-69: $0.48. 70-74: $0.86. 75-79: $1.80. 80+: $2.88.
What is the difference between Option A, B, and C?
Option A provides $10,000 flat coverage. Option B provides 1-5 multiples of your salary. Option C provides family coverage: $5,000 per multiple for spouse and $2,500 per multiple for each child.
Can I keep FEGLI in retirement?
Yes, if you have been continuously enrolled for the 5 years immediately before retiring. At retirement, you choose a Basic reduction election (75% Reduction is free after 65) and decide whether to keep Option B and C with Full Reduction or No Reduction.
Is FEGLI Option B worth it after age 50?
Option B becomes very expensive after 50. At 55-59, it costs $0.18/biweekly per $1,000. At 60-64, it rises to $0.40. Many employees consider private term life insurance as a cheaper alternative.
What happens to FEGLI Basic after age 65?
With the 75% Reduction election (most common), you stop paying Basic premiums at 65 and coverage reduces to 25% of the original amount.
💡 Expert Tips for FEGLI Planning
Tip #1: Keep Basic coverage — it's the best value in FEGLI, with government subsidy and no age-based premium increases.
Tip #2: If you're over 50 with large Option B coverage, get quotes for 20-year term life insurance. Healthy non-smokers often save thousands per year by switching.
Tip #3: At retirement, elect 75% Reduction for Basic. You get free coverage at 25% of the original amount for life.
Tip #4: Mark your calendar before age 65. OPM sends a reminder letter for Option B/C reduction elections.
🏛️ Still Asking "How Much Does FEGLI Cost?"
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🛡️ CDCalculators proprietary FEGLI calculator 2026 — data sources: OPM FEGLI rates. Last updated October 20, 2026. Disclaimer: Educational estimate only. Verify with OPM's official FEGLI calculator at opm.gov.