OPM FEGLI calculator: estimate Basic and Option A/B/C costs by age
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By the OnPAR Federal Retirement Education editorial team · Last updated
Related: FEGLI cost at retirement · FEGLI in retirement (5-year rule) · TSP and FEGLI beneficiaries
Short answer: Use OPM’s official FEGLI Calculator to estimate the face value and premiums for Basic plus Options A, B and C, and to see how coverage changes after retirement. Open it only on OPM’s site: opm.gov/retirement-center/apply/fegli-calculator.[1] Basic is the same price per $1,000 at every age (you pay about two-thirds; the government pays one-third). Options A/B/C are fully employee-paid and rise in 5-year age bands.[2][3] This page explains how to use OPM’s tool and shows OPM’s published Option B bands — we do not invent rates.
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Official OPM FEGLI Calculator
OPM’s calculator lets you:
- Determine face values for combinations of Basic and Optional coverage
- Calculate premiums and compare Options
- See how coverage carried into retirement changes over time[1]
Open OPM’s FEGLI Calculator (official) →
Have your annual basic pay and current FEGLI code from your SF-50 or LES handy. OPM notes the premium table in the calculator reflects changes effective the first pay period beginning on or after October 1, 2021.[1]
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Quick walkthrough: what to enter
- Enter your current annual basic pay (no $ or commas), as OPM’s form asks.[1]
- Model the coverage you have today (Basic + any Options A/B/C multiples).
- Change Options to see premium differences.
- Run the retirement view to see reduction choices for Basic and what happens to Optional coverage.[1][5]
Option B age bands (OPM published rates)
From OPM Program Information (rates effective first pay period on/after Oct 1, 2021; OPM notes rates may change).[3] Example column = rate × 100 for $100,000 of Option B:
| Age band | Option B monthly per $1,000 (OPM) | Example: $100,000 Option B / month |
|---|---|---|
| 50–54 | $0.217 | $21.70 |
| 55–59 | $0.390 | $39.00 |
| 60–64 | $0.867 | $86.70 |
| 65–69 (No Reduction, annuitant) | $1.040 | $104.00 |
| 70–74 (No Reduction) | $1.863 | $186.30 |
| 75–79 (No Reduction) | $3.900 | $390.00 |
| 80+ (No Reduction) | $6.240 | $624.00 |
Younger employee age bands are on OPM’s Program Information page and in the official calculator — open those for under-50 rates rather than relying on a partial table.
Option A is a flat $10,000; annuitant rates climb with age and become free at 65+ under OPM’s table. Option C (family) is priced per multiple and also rises after 65 if you elect No Reduction. Confirm every figure on OPM’s Program Information page or calculator before you decide.[3]
What changes at retirement
- 5-year / all-opportunity rule: you generally must have been insured for the 5 years right before retirement (or all opportunities if less) to continue each coverage.[4]
- Basic: choose 75% Reduction (free after 65), 50% Reduction, or No Reduction — see OPM’s Basic-in-retirement tool.[5]
- Optional: can continue if eligible; Full Reduction vs No Reduction changes both cost and how fast coverage shrinks.[6]
- After you retire you can reduce or cancel, but you cannot add or increase FEGLI.[2]
More detail: FEGLI cost at retirement and FEGLI in retirement.
Plan FEGLI before your retirement date
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Prefer a quick question first? Tap the chat bubble on this page. Education only — we never ask for OPM, TSP or SSA passwords.
Questions and answers
Where is the official FEGLI calculator?
Only at OPM’s FEGLI Calculator. This site does not host a competing rate engine.[1]
Does FEGLI have an annual Open Season like FEHB?
No. FEGLI Open Seasons are infrequent and none are currently scheduled. Outside an Open Season you may enroll or increase with a qualifying life event or a physical exam (SF 2822).[7]
Official sources
- OPM: FEGLI Calculator
- OPM: FEGLI Life Insurance
- OPM: FEGLI Program Information (premiums)
- OPM FAQ: When is the next FEGLI Open Season?
- OPM: Basic Insurance in Retirement
- OPM: Continuation of Coverage after Retirement
- OPM FAQ: Do I have to wait for a FEGLI Open Season?
Checked against OPM, TSP.gov and SSA on November 7, 2026. Education only, not legal, tax or financial advice. Your own situation may differ: check with OPM, the TSP, SSA or a tax professional. Not affiliated with OPM, the TSP, SSA or any government agency.