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Enhancing benefits for federal employees

Welcome to FegliPLUS,  the unique FEGLI Option “B” comparison service for federal government employees. FegliPLUS allow you to view side by side comparisons with a wide selection of ages and health classifications.

As you can see from the chart below, whether you are age 40 in excellent health, age 50 in good health or even age 60 in average health, almost all non-smokers who can qualify should review their Option “B” coverage!

So, how to read the chart below…..comparing $500,000  FEGLI Option “B”.

A female, age 45 in good health….use “preferred”….is paying $912 for her FEGLI Option “B”. If you click on the $580 under age 45, preferred, it will bring up a side by side comparison with three choices.

The $500,000 FEGLI Option “B” initial $912 premium will increase every five years with a 20 year total of $53,230.

The $500,000 “Top Carrier” is our lowest guaranteed premium at $526 for a 20 year total of $10,520, a guaranteed 20 year savings of $42,760 or 80%.

The $500,000 FegliPLUS  includes “Critical Illness” and “Chronic Care” riders which generate substantial lump sum payouts for heart attack, cancer, stroke, kidney failure, MS, ALS, Alzheimer’s, dementia and a number of other dread diseases.

This FegliPLUS only increases the annual cost to $580 with a guaranteed 20 year cost of $11,600……still a guaranteed 20 year savings of $41,680 or 78% savings compared to FEGLI Option “B”.

Underwriting Guide

FemaleMale     $500,000    FegliPLUS
    FEGLI Option B Preferred Plus Preferred Select Standard
age 40
Annual cost
20 year total
Savings
 .
$522
$27,300
 .
 .
$340
$6,800
$20,500
 75%
$395
$7,900
$19,400
71%
$490
$9,800
$17,500
64%
$615
$12,300
$15,000
55%
age 45
Annual cost
20 year total
Savings
 .
$912
$53,230
 .
 .
$475
$9,500
$43,780
82%
$580
$11,600
$41,680
78%
$720
$14,400
$38,880
73%
$860
$17,200
$36,080
68%
age 50
Annual cost
20 year total
Savings
 .
$1,428
$83,820
 .
 .
$705
$14,100
$69,720
83%
$850
$17,000
$66,820
80%
$1,050
$21,00
$62,820
75%
$1,305
$26,100
$57,720
69%
age 55
Annual cost
20 year total
Savings
 .
$2,598
$139,080
 .
 .
$1,110
$22,200
$116,880
84%
$1,265
$25,300
$113,780
82%
$1,560
$31,200
$107,880
78%
$1,940
$38,800
$100,280
72%
age 60
Annual cost
20 year total
Savings
 .
$5,718
$243,090
 .
 .
$1,870
$37,400
$205,690
85%
$2,105
$42,100
$200,990
83%
$2,605
$52,100
$190,990
79%
$3,300
$66,000
$177,090
73%
age 65
Annual cost
15 year total
Savings
 .
$7,020
$214,500
 .
 .
$2,310
$34,650
$179,850
83%
$2,615
$39,225
$175,275
81%
$3,325
$ 49,875
$164,620
77%
$4,290
$64,350
$150,150
70%

FegliPLUS may be of even more value to older employees who are not necessarily in excellent health.

Take a look above at a female, age 60 with normal health concerns…. click on  $3,300 for the standard class

The $500,000 FEGLI Option “B” initial $5,718 premium will increase every five year with a 20 year total cost of $243,090!!!

The $500,000 “Top Carrier” is our lowest guaranteed premium at $3,147 and a guaranteed 20 year total of $62,940…..a guaranteed 20 year savings of $180,150 or 74% savings when compared to FEGLI Option “B”….

The $500,000 FegliPLUS  includes “Critical Illness” and “Chronic Care” riders which generate substantial lump sum payouts for heart attack, cancer, stroke, kidney failure, MS, ALS, Alzheimer’s, dementia and a number of other dread diseases. This FegliPLUS only increases the annual cost to $3,300 with a guaranteed 20 year cost of only $66,00……still a guaranteed 20 year savings of $177,090 or 73% when compared to FEGLI Option “B”.

Now, with FegliPLUS, you can not only reduce your FEGLI Option “B” costs by 60-80% and save $100,000+ over 20 years, you can also provide substantial lump sum payments to protect against heart attack, cancer, stroke, kidney failure, MS, ALS, Alzheimer’s, dementia and a number of other dread diseases.

As our chart indicates, almost any healthy federal employee can save between 60-80% off their current and future FEGLI Option “B” costs.

Using the “underwriting guide” above, find the age and health class that most closely fits your personal profile and see how FegliPLUS can benefit your situation.

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FegliPLUS is not affiliated with or endorsed by the federal government or OPM.