Life Insurance for Government Employees

Life insurance for government employees comes in many varieties and varies based on whether you’re working at the federal or state level. Life insurance rates for government employees are incredibly affordable and come with several affordable options as well. Keep reading our life insurance for governement employees review to learn more today.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jul 19, 2021

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Quick Facts

  • There are government-funded life insurance programs for employees
  • The Federal Employees’ Group Life Insurance (FEGLI) Program is the largest group insurance program in the world.

Working for the government, whether at the federal or state level, has its pluses and minuses. One of the big pluses is life insurance.

There are many different organizations that offer life insurance for government employees. These organizations offer affordable government employee life insurance that will keep you and your family covered.

There are a wide diversity of plans offered from permanent life insurance to term life insurance plans and many others.

Enter your ZIP code above to get free life insurance quotes for government employees today.

What is covered by government life insurance?

When it comes to the federal government, the FEGLI offers a standard basic life insurance plan to all employees. The program offers one of the many types of term life insurance along with the ability to add optional coverages as well.

For basic insurance, you would pay 2/3 of the amount with the government picking up the rest. The only government agency where this is different is the U.S. Postal Service, which covers the whole cost for basic coverage for its workers.

Full-time and part-time federal employees are eligible to enroll but seasonal and temporary employees are not.

The FEGLI offers several optional add-ons that can supplement your basic life insurance. All of them have the added bonus of being reasonably priced. The add-ons, which cover multiple scenarios, including for your family, range in rates and your age affects the cost.

Some add-ons, if you are in your 20s or 30s, can be as low as just 5 cents a month. For employees in their 70s or 80s, the cost rises to up to $15 a month, which is still reasonable.

Learn more about the FEGLI by visiting the organization’s website.

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Other Life Insurance Providers for Government Employees

While the FEGLI is the largest provider of government life insurance, it is not the only one. There is also the Worldwide Assurance for Employees of Public Agencies (WAEPA).

One of the biggest differences between the two groups is that the WAEPA offers life insurance for government employees even after they’ve left federal service. As long as you keep paying the premium you can remain enrolled in the program.

To stay covered by the FEGLI you must have been in the program for five straight years before retirement. There is no qualifier like that with the WAEPA.

If you enrolled in the WAEPA you can qualify for as much as $1.5 million in the program’s group term life insurance policy.

Life Insurance for State Government Employees

If you work for a state government you are also eligible for life insurance coverage. For example, in Illinois, there are basic and optional life insurance plans offered. There are also plans for retirees as well.

Each state will have its own life insurance program for employees so make sure to do your research after getting a government job.

And plug in your ZIP code below to get a free insurance quote today.

Frequently Asked Questions

Below are a few common questions people ask about government employee life insurance.

#1 – How much does the FEGLI withhold?

Per $1,000 of basic insurance, the FEGLI withholds 33 cents a month. There is also an optional benefit for employees under 45 that comes at no additional charge.

#2 – How long as the FEGLI been around?

The program was established on August 29, 1954 and has grown to more than 4 million people today.

References:

https://www.opm.gov/healthcare-insurance/life-insurance/

https://www2.illinois.gov/cms/benefits/StateEmployee/Pages/Employee-Life.aspx

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