Alternatives to Pre-Retirement Seminar FEGLI Advice
What to use instead of seminar FEGLI advice from insurance brokers. Neutral resources for federal employees who want the math without the sales pitch.
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All articles about The FEGLI Decision Guide: Federal Life Insurance Into Retirement.
Best FEGLI Guide for CSRS Employees Retiring in 2026
CSRS employees face unique FEGLI decisions at retirement — higher pensions, WEP/GPO repeal impact, and different survivor math. Here's the best resource for CSRS-specific FEGLI elections.
Best FEGLI Resource for Federal Employees Within Two Years of Retirement
Choosing the right FEGLI resource when retirement is less than two years away. What to prioritize, what to skip, and how to prepare for the SF 2818 election.
FEGLI Basic Reduction Retirement: 75%, 50%, and No Reduction Explained
FEGLI Basic offers three reduction elections at retirement — 75%, 50%, and No Reduction. Learn how each works, what they cost, and why the choice is permanent.
FEGLI Beneficiary After Divorce: Why Your Ex-Spouse May Still Get the Payout
A divorce decree doesn't remove your ex-spouse from FEGLI. OPM generally pays by SF 2823, but qualifying court orders can take precedence. Learn how beneficiary designations, court orders, and assignments interact.
FEGLI Conversion After Retirement: The 31-Day Window and Individual Policies
When FEGLI group coverage ends — through ineligibility or cancellation — you have 31 days to convert to a private individual policy. Here's how the process works and what it costs.
FEGLI and CSRS Retirement: What Civil Service Retirees Need to Know
CSRS retirees face unique FEGLI considerations — higher Basic amounts, no FERS supplement, and the GPO/WEP repeal. Here's how FEGLI works under CSRS rules.
FEGLI Death Benefit Claims: How Long Processing Takes and What to File
Filing a FEGLI death benefit claim requires form FE-6 and supporting documents. Here's the process, typical timelines, and what delays claims.
FEGLI and Deferred Retirement: Why Coverage Ends Permanently
Deferred federal retirement means your FEGLI coverage terminates at separation and cannot be reinstated at 62. Learn why, and how postponed retirement differs.
FEGLI Enrollment Changes: Open Season, Life Events, and What You Can't Undo
FEGLI rarely has open seasons, and most changes require a qualifying life event. Here's when you can add, increase, or cancel coverage — and what's permanent.
FEGLI Five-Year Rule: The Eligibility Requirement That Kills Retirement Coverage
You generally must carry each FEGLI coverage for five continuous years before retirement — or since your first opportunity to enroll — to keep it. Learn how breaks in service, late enrollments, and VERA complicate the rule.
FEGLI Guide vs Hiring a Federal Benefits Counselor: Which Gets You to the Right Election?
Comparing a self-guided FEGLI workbook against hiring a federal benefits counselor. Costs, depth, and which approach fits your pre-retirement timeline.
FEGLI Living Benefits: Accelerated Payout for Terminal Illness
FEGLI lets terminally ill employees and retirees claim up to 100% of their Basic coverage while alive. Here's how the Living Benefit option works and how to apply.
FEGLI Option A Retirement: The $10,000 Benefit That Becomes Free After 65
FEGLI Option A provides $10,000 of standard coverage that reduces to $2,500 after 65 — then costs nothing for life. Learn how it works, what it costs, and whether to keep it.
FEGLI Option B Cost by Age: Premium Tables and What They Mean for Retirement
FEGLI Option B premiums jump every five years. See the full 2026 rate table by age band, calculate your monthly cost at any coverage level, and understand the retirement math.
FEGLI Option C Retirement: Spouse and Family Coverage Explained
FEGLI Option C covers your spouse ($5,000/multiple) and children ($2,500/multiple) — but premiums are based on your age, not theirs. Learn the costs and reduction choices.
FEGLI Order of Precedence: Who Gets Your Life Insurance if You Don't File SF 2823
Without a valid SF 2823 on file, FEGLI pays benefits through a strict statutory order: spouse, children, parents, estate. Here's how OPM decides.
FEGLI Post-65 Coverage: What Stays, What Reduces, and What You Pay
After 65, FEGLI Basic can become free, Option A drops to $2,500 at no cost, and Options B/C may reduce to zero. Here's what actually happens to each coverage component.
FEGLI Premium Rates 2026: Every Age Band for Basic, Option A, B, and C
Complete FEGLI rate tables for 2026 — Basic, Option A, B, and C monthly premiums by age band for active employees and retirees, with examples at real salary levels.
FEGLI Retirement Options: What Happens to Federal Life Insurance When You Retire
Federal employees face irrevocable FEGLI decisions at retirement. Learn what happens to Basic, Option A, B, and C coverage, reduction elections, and how premiums change after separation.
FEGLI Retirement Planning for Federal Employees: What to Do 1–5 Years Out
A practical FEGLI retirement planning timeline: what to audit, calculate, and decide 5 years, 1 year, and 3 months before your retirement date.
How the Social Security Fairness Act Affects Your FEGLI Decision
The WEP and GPO repeal changes the math on how much life insurance federal retirees need. Here's why your old FEGLI analysis may be wrong.
FEGLI Survivor and Accidental Death Benefits: What Your Family Gets
FEGLI pays a death benefit to your survivors — and Basic coverage includes an additional accidental-death payment while you're an active employee. Here's exactly how each benefit works and who receives it.
FEGLI for Postal Employees: PSHB Changes Don't Affect Your Life Insurance
USPS employees transitioning to PSHB for health coverage: your FEGLI life insurance stays exactly the same. Here's what postal retirees need to know.
FEGLI vs Private Life Insurance: When Federal Group Coverage Wins and When It Doesn't
Compare FEGLI group term rates against private level-term and whole life policies. Learn when keeping federal coverage makes sense and when replacing it saves money.
FEGLI vs WAEPA vs GEBA: Federal Life Insurance Alternatives Compared
Comparing FEGLI with WAEPA and GEBA supplemental life insurance for federal employees. Coverage amounts, age-band costs, and which makes sense at retirement.
How to Decide Your FEGLI Basic Reduction Election Without a Financial Adviser
A structured approach to choosing between 75% Reduction, 50% Reduction, and No Reduction on SF 2818 — using your own numbers instead of paying for a consultation.
SF 2818 How to Fill Out: FEGLI Continuation of Coverage Form for Retirees
Step-by-step instructions for completing Standard Form 2818, the form that locks in your FEGLI reduction elections at retirement. Avoid the errors that cause OPM rejections.
SF 2823 Designation of Beneficiary: How Federal Life Insurance Death Benefits Are Paid
OPM pays FEGLI death benefits by SF 2823, not your will. Learn how to file, update, and audit your federal life insurance beneficiary designation before retirement.
Should I Keep FEGLI Option B in Retirement?
FEGLI Option B premiums escalate sharply after retirement. Here's how to evaluate whether keeping, reducing, or cancelling Option B coverage makes financial sense.
TSP and FEGLI Retirement Planning: Coordinating Withdrawals With Insurance Premiums
How TSP withdrawals, RMDs, and FEGLI premium escalation interact in retirement — and why coordinating them matters for your tax bracket and net income.