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The Federal Government established the Federal Employees' Group Life Insurance (FEGLI) Program on August 29, 1954. It is the largest group life insurance program in the world, covering over 4 million Federal employees and retirees, as well as many of their family members.

Most employees are eligible for FEGLI coverage. FEGLI provides group term life insurance. As such, it does not build up any cash value or paid-up value. It consists of Basic life insurance coverage and three options. In most cases, if you are a new Federal employee, you are automatically covered by Basic life insurance and your payroll office deducts premiums from your paycheck unless you waive the coverage. In addition to the Basic, there are three forms of Optional insurance you can elect. You must have Basic insurance in order to elect any of the options. Unlike Basic, enrollment in Optional insurance is not automatic -- you must take action to elect the options.

TOP 9 Reasons to Replace FEGLI

The following lists the top 10 reasons you and your family should consider replacing your federal employee group life insurance. Click on each reason for a more detailed explanation.

  Premiums increase 2,000% as you get older

  Coverage can decrease 76% at retirement

  Builds no cash value

  Is not permanent life Insurance

  Your Spouse's Life Insurance can decrease to zero

  The Federal Government does not Insure you

  Can not increase coverage when you want

  Can not take the coverage with you to a new job

  Coverage can be dropped at any time 

Contact us today for more information by requesting a 
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Federal Employee Life Insurance