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We help Federal Employees Retire on time and with confidence
07/15/2026
FEGLI Option B is one of the most common sources of retirement income shock for federal employees.
The premiums increase every five years starting at age 45. While working, the deduction is invisible, it comes out of a paycheck that grows with step increases and locality adjustments.
In retirement, it comes out of a fixed pension. And the increases do not stop.
By the late 70s, the monthly FEGLI cost for a federal employee who kept Option B without reviewing it can compete directly with the pension check for monthly cash flow.
The decision to keep, reduce, or replace FEGLI is one of the most financially consequential elections a federal employee makes at retirement, and it cannot be reversed afterward.
One coworker's advice to max out the TSP and leave it alone turned into $1.3 million.
FEGLI gets more expensive with age because MetLife prices the whole group's risk, not your personal health.
Your federal pension puts you in a higher tax bracket than most retirees, and here's why that matters before you retire.
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