FEGLI Reduction Comparison Calculator

When you retire, you choose how much FEGLI life insurance to keep. Compare the three Basic Life choices side by side, plus Options A, B and C, from retirement through age 80 and beyond.

Annual Salary at Retirement

Basic Life equals your salary rounded up to the next $1,000, plus $2,000. Age at Retirement

years

Option B

Option C (Family)

Each multiple covers your spouse for $5,000 and each eligible child for $2,500. Option A ($10,000)Automatically reduces to $2,500 after 65 and becomes free.

Basic Life: Your Three Choices

Coverage and Cost by Age

Uses OPM’s current monthly FEGLI rates for retirees. Reductions begin the later of age 65 or retirement: the 75% reduction and Option A reduce 2% a month, the 50% reduction 1% a month, and Options B and C with full reduction 2% a month until they end. Each age shows the coverage at the end of that year; optional coverage begins reducing the following year. To keep FEGLI in retirement, you generally must have had the coverage for the 5 years before you retire. Educational illustration only.

How the FEGLI Reduction Comparison Calculator Works

Enter your salary and age at retirement, and add Option A or B if you have them. The calculator shows what each Basic Life choice keeps and costs, year by year.

What Your FEGLI Election Means

FEGLI is easy to keep and can get expensive to keep. Option B costs climb steeply in your 70s and 80s, and once you reduce or cancel coverage in retirement, you can’t get it back. Whether to keep, reduce or replace coverage depends on who needs protection, for how long, and what else you’ll leave behind. That’s the conversation we help you have.

New to federal benefits? Start with our Federal Retirement Workshop or learn what makes Stonebridge different.

Frequently Asked Questions About FEGLI in Retirement

What are my Basic Life choices in retirement?

75% reduction (the default): coverage shrinks to 25% after 65 and becomes free. 50% reduction: it shrinks to half, with a cost for life. No reduction: full coverage, with the highest cost for life.

What happens to Option B?

Choose full reduction (free after 65, phasing out over about four years) or no reduction (coverage stays, and the cost keeps rising with age).

Can I keep FEGLI when I retire?

Generally yes, if you’ve had the coverage for the 5 years right before you retire. Deferred retirees lose it; if you postpone an MRA+10 pension, it returns when your pension starts.

Can I add coverage after I retire?

No. In retirement you can reduce or cancel coverage, but you can’t add or increase it.

Ready to see how the pieces fit together for your specific situation?

Get Your Federal Retirement Report

What You Get When You Work With Stonebridge

A Personalized Federal Retirement Roadmap

We bring together your pension, TSP, FEHB, FEGLI, survivor benefits, Social Security, and retirement timing into one coordinated retirement plan.
You’ll see where you stand today, the options available to you, your projected retirement income, and a retirement timeline you can move toward with confidence.

Plain-Language Guidance, Not Sales Pressure

Federal retirement is complicated enough without jargon, sales tactics, or manufactured urgency.
We explain your options clearly, answer your questions honestly, and help you understand the trade-offs before making decisions.
Decisions happen at your pace, not ours.

Colorado-Based Federal Retirement Specialists

Stonebridge is based in the Denver metro area and serves federal employees throughout Colorado’s Front Range.
Meet with us in person at our Inverness office or virtually from anywhere in Colorado.
When questions arise, you’ll have a local team you can reach, not a national call center.

Serving Federal Employees Across The Colorado Front Range

Stonebridge is based in the Denver metro area and works with federal employees throughout Colorado’s Front Range.

Our clients serve in a wide range of federal agencies and organizations across the state, including the Denver Federal Center, VA Eastern Colorado Health Care System, Buckley Space Force Base, the Internal Revenue Service, the United States Mint, NREL, NOAA, NIST, and many others.

We meet with clients in person at our Inverness office and virtually throughout Colorado.

Primary Service Area

Denver · Littleton · Highlands Ranch · Centennial · Lakewood · Englewood · Parker · Castle Rock · Aurora · Arvada · Westminster · Broomfield · Thornton · Wheat Ridge · Golden · Lone Tree

Extended Service Area

Colorado Springs · Boulder · Fort Collins · Loveland · Greeley · Pueblo

Get Your Federal Retirement Report

Workshop attendees are eligible to receive a personalized Federal Retirement Report at no cost and with no obligation. Built around your service history and benefits, it shows where you stand today and the decisions ahead: your pension, Social Security, survivor benefit, FEGLI, TSP and FEHB.

Register for an upcoming workshop to get started.

Get Your Federal Retirement Report

Can’t make a workshop? Contact us.