OPM 2026 Rates
FEGLI Life Insurance Calculator
Calculate your Federal Employees' Group Life Insurance coverage and costs
Your Information
Coverage: $102,000
Monthly Cost: $35.36
Automatic coverage equal to your salary (rounded up) plus $2,000
Coverage: $10,000
Monthly Cost: $1.30
Fixed $10,000 additional coverage
Coverage: $100,000
Monthly Cost: $13.00
1-5 multiples of your annual salary
Spouse: $5,000
Each Child: $2,500
Monthly Cost: $1.15
Coverage for spouse and eligible dependent children
Coverage Summary
Total Life Insurance Coverage
$102,000
Coverage Breakdown
Cost at Age 75: $35.36/month
Important Notes
- ·Costs shown are monthly premiums
- ·Rates increase with age at specific milestones
- ·Option B reduces by 2% per month after age 65
- ·You can elect or change options during Open Season
- ·This is an estimate — consult OPM for official rates
FEGLI Premium Rates by Age
Monthly costs
| Age Group | Basic (per $1k) | Option A ($10k) | Option B (per $1k) | Option C (1x) | Your Cost |
|---|---|---|---|---|---|
| Under 35 | $0.3467 | $0.43 | $0.043 | $0.43 | — |
| 35-39 | $0.3467 | $0.43 | $0.043 | $0.52 | — |
| 40-44 | $0.3467 | $0.65 | $0.065 | $0.80 | — |
| 45-49 ← You | $0.3467 | $1.30 | $0.130 | $1.15 | $35.36 |
| 50-54 | $0.3467 | $2.17 | $0.217 | $1.80 | — |
| 55-59 | $0.3467 | $3.90 | $0.390 | $2.88 | — |
| 60-64 | $0.3467 | $13.00 | $0.867 | $5.27 | — |
| 65-69 | $0.3467 | $13.00 | $1.040 | $6.13 | — |
| 70-74 | $0.3467 | $13.00 | $1.863 | $8.30 | — |
| 75-79 | $0.3467 | $13.00 | $3.900 | $12.48 | — |
| 80+ | $0.3467 | $13.00 | $6.240 | $16.90 | — |
How to Calculate:
• Basic: (Coverage ÷ 1,000) × Rate
• Option A: Fixed rate shown above
• Option B: (Salary × Multiples ÷ 1,000) × Rate
• Option C: Fixed rate × Multiples
Your Cost Projection Over Time
How your monthly costs change as you age
| Age Bracket | Monthly Cost | Annual Cost | Years in Bracket |
|---|---|---|---|
| 45-49 ← Current | $35.36 | $424.36 | 5 |
| 50-54 | $35.36 | $424.36 | 5 |
| 55-59 | $35.36 | $424.36 | 5 |
| 60-64 | $35.36 | $424.36 | 5 |
| 65-69 | $35.36 | $424.36 | 5 |
| 70-74 | $35.36 | $424.36 | 5 |
| 75-79 | $35.36 | $424.36 | 5 |
| 80+ | $35.36 | $424.36 | 21 |
FEGLI vs. Commercial Term Life
FEGLI
Coverage
$102,000
Monthly Cost
$35.36
Annual Cost
$424.36
✓ No medical exam for Basic
✓ Guaranteed issue
✓ Payroll deduction
Comparable Term Life (20-Year)
Male, Age 45, VA
Same Coverage
$102,000
Est. Monthly Cost
$13.26
Est. Annual Cost
$159.12
Potential Monthly Savings with Term Life
$22.10
($265.24 per year)
| Age | FEGLI Rate (per $1k) | Commercial (per $1k) | Difference |
|---|---|---|---|
| 30 | $0.3467 | $0.0600 | -$0.29 |
| 35 | $0.3467 | $0.0700 | -$0.28 |
| 40 | $0.3467 | $0.0900 | -$0.26 |
| 45 ← Near You | $0.3467 | $0.1300 | -$0.22 |
| 50 | $0.3467 | $0.2100 | -$0.14 |
| 55 | $0.3467 | $0.3600 | +$0.01 |
| 60 | $0.3467 | $0.6800 | +$0.33 |
| 65 | $0.3467 | $1.2500 | +$0.90 |
| 70 | $0.3467 | $2.5000 | +$2.15 |
Important: This comparison is for Basic coverage rates only (not Options A, B, or C). Commercial term life policies typically feature accelerated underwriting with instant approval possible for qualified applicants - no medical exam in many cases. Rates shown are for males age 45 in VA for a 20-year term. Rates vary based on health status, tobacco use, and other factors. FEGLI Basic coverage is guaranteed issue. Consider your specific health situation, the convenience of payroll deduction, and the ability to continue coverage into retirement when comparing options.
Premium Cost Comparison Over 20 Years
Commercial term life offers level premiums that stay the same for 20 years, while FEGLI costs increase as you age.
| Year | Age | FEGLI/mo | Commercial/mo | Monthly Savings | Cumulative |
|---|---|---|---|---|---|
| 1 ← Today | 45 | $35.36 | $13.26 | +$22.10 | +$265.24 |
| 2 | 46 | $35.36 | $13.26 | +$22.10 | +$530.48 |
| 3 | 47 | $35.36 | $13.26 | +$22.10 | +$795.72 |
| 4 | 48 | $35.36 | $13.26 | +$22.10 | +$1,060.96 |
| 5 | 49 | $35.36 | $13.26 | +$22.10 | +$1,326.20 |
| 6 | 50 | $35.36 | $13.26 | +$22.10 | +$1,591.44 |
| 7 | 51 | $35.36 | $13.26 | +$22.10 | +$1,856.69 |
| 8 | 52 | $35.36 | $13.26 | +$22.10 | +$2,121.93 |
| 9 | 53 | $35.36 | $13.26 | +$22.10 | +$2,387.17 |
| 10 | 54 | $35.36 | $13.26 | +$22.10 | +$2,652.41 |
| 11 | 55 | $35.36 | $13.26 | +$22.10 | +$2,917.65 |
| 12 | 56 | $35.36 | $13.26 | +$22.10 | +$3,182.89 |
| 13 | 57 | $35.36 | $13.26 | +$22.10 | +$3,448.13 |
| 14 | 58 | $35.36 | $13.26 | +$22.10 | +$3,713.37 |
| 15 | 59 | $35.36 | $13.26 | +$22.10 | +$3,978.61 |
| 16 | 60 | $35.36 | $13.26 | +$22.10 | +$4,243.85 |
| 17 | 61 | $35.36 | $13.26 | +$22.10 | +$4,509.09 |
| 18 | 62 | $35.36 | $13.26 | +$22.10 | +$4,774.33 |
| 19 | 63 | $35.36 | $13.26 | +$22.10 | +$5,039.58 |
| 20 | 64 | $35.36 | $13.26 | +$22.10 | +$5,304.82 |
Key Advantage: Commercial term life premiums remain level for the entire 20-year term. FEGLI costs increase as you age.
Disclaimer: This calculator uses 2026 FEGLI rates from OPM effective October 1, 2021. Commercial term life rates are estimates and require medical underwriting. Actual rates vary based on health, tobacco use, and underwriting. Actual costs and coverage may vary. Rates are subject to change. For official information and enrollment, consult your agency's benefits office or visit OPM.gov. This tool is for educational purposes only.