We are not affiliated with the TSP, Thrift Savings Plan, tsp.gov, frtib.gov, or any U.S. government agency or uniformed military services.
- WTOP
- FNN Radio
This FEGLI calculator is available through a free federal benefits consultation. Because FEGLI elections involve age-based costs, coverage multiples, retirement reductions, and long-term insurance decisions, this calculator is used in coordination with a specialist to ensure accurate inputs and meaningful results.
The FEGLI calculator helps federal employees understand how FEGLI Basic and Optional coverage, premiums, and retirement reduction choices may impact both current costs and long-term life insurance coverage. To continue, please log in or request a free federal benefits consultation to receive guided access.
Federal Employees’ Group Life Insurance (FEGLI) decisions are often misunderstood — especially when it comes to how coverage changes at retirement, how premiums increase with age, and how reduction elections affect future benefits.
Many federal employees are unsure:
How much FEGLI coverage they actually have
What their premiums will look like as they age
How retirement reduction options impact coverage
Whether FEGLI remains cost-effective long term
The FEGLI calculator is designed to help model these scenarios, but results are most useful when reviewed with guidance to avoid costly misunderstandings.
The FEGLI calculator is used to help analyze:
FEGLI Basic coverage amounts
Optional FEGLI (Option A, B, and C) coverage
Age-based FEGLI premium increases
Cost differences before and after retirement
FEGLI reduction elections at retirement
Long-term coverage projections
Estimated lifetime premium costs
Comparison of coverage scenarios
These projections are often reviewed during consultations to help federal employees understand how FEGLI fits into their overall retirement and insurance planning.
FEGLI elections can have permanent and irreversible consequences, especially once retirement decisions are made. Calculator access is provided through a consultation to ensure:
Coverage amounts are entered correctly
Reduction options are clearly explained
Age-based premium increases are understood
Retirement timing is properly considered
Results are not misinterpreted or oversimplified
During your consultation, a federal retirement specialist will walk through the FEGLI calculator with you — often via screen sharing — and explain how the numbers apply to your specific situation.
Request a Free Federal Benefits Consultation
Speak with a federal retirement specialist
Receive guided access to the FEGLI calculator
Review coverage and cost projections together
Ask questions and explore different scenarios
Leave with clarity — not just estimates
There is no obligation, and the consultation is designed to be educational and informative.
The FEGLI calculator is commonly used by:
Federal employees covered under FEGLI
Employees approaching retirement eligibility
Individuals reviewing FEGLI reduction options
Federal workers concerned about rising insurance costs
Employees comparing coverage scenarios before retirement
Anyone seeking clarity before making FEGLI elections
Request a Free Federal Benefits Consultation to review your FEGLI coverage, premiums, and retirement options with a federal retirement specialist.
Request a Free Benefits Consultation
Log In (Requires Guided Access)
FEGLI calculator results are estimates and are not guaranteed. Projections are reviewed with a federal retirement specialist to ensure accuracy and proper interpretation.