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Federal Employees' Group Life Insurance Program (FEGLI)

U.S. Office of Personnel Management > Federal Employees' Group Life Insurance Program (FEGLI)


Program Description:

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.

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 life insurance, there are three forms of Optional insurance that you can elect. You must have Basic insurance in order to elect any of the options. Unlike Basic insurance, enrollment in Optional insurance is not automatic- you must take action to elect an option.


General Program Requirements:

As a Federal employee, you automatically have Basic insurance, unless you waive it. However some employees are excluded from life insurance coverage by law or regulation.

Optional insurance is not automatic; you must specifically elect it. You can elect Optional insurance if:

  • You have Basic insurance;
  • You don't have a waiver of that type of Optional insurance still in effect (or a waiver of that number of Option B or Option C multiples still in effect); and
  • Your periodic pay, after all other deductions, is enough to cover the full cost.
For additional information and to find out if you are excluded, please visit





Loan Terms:

Not Applicable


Application Process:

To apply, visit

and download the necessary forms. Follow the instructions on the form(s) for how to submit them.

For assistance, visit

and contact the Human Resources Office for the Agency within which you work.


Program Contact Information:

For more information, visit:

Frequently Asked Questions can be found at:


Managing Agency:

U.S. Office of Personnel Management

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