Think You’re Covered? It May Be Time to Revisit Your Life Insurance

Many Federal Employees rely on FEGLI as the foundation of their life insurance protection. While FEGLI is an important benefit, it may not be enough on its own to fully protect your family’s long-term financial needs. In fact, Americans who depend primarily on group life insurance have an average coverage gap of about $200,000.1 

GEBA Group Term Life Insurance is designed to help close that gap with additional protection that complements FEGLI. Unlike FEGLI coverage, GEBA’s Group Term Life Insurance is portable, meaning you can keep your coverage even if you leave federal service. 

Coverage Options Designed for Federal Employees 

GEBA Group Term Life Insurance offers flexible coverage amounts and family protection, including: 

• Up to $600,000 in coverage for members, regardless of salary 

• Coverage for spouses or domestic partners up to $300,000 

• Dependent child coverage up to $20,000 (to age 26) 

• $50,000 in guaranteed issue coverage for eligible members2 

• Accidental Death & Dismemberment (AD&D) coverage at no additional cost, equal to 50% of your life insurance amount 

Eligible Federal Employees can apply for up to $500,000 through QuickDecisionSM, an online process that delivers a decision in minutes for many applicants, with no medical questions or exam required.3 For those who qualify through full underwriting, coverage is available up to $600,000. 

Why FEGLI Alone May Not Be Enough 

FEGLI provides valuable baseline coverage, but many Federal Employees find it does not fully account for major financial responsibilities such as replacing income, paying off a mortgage, or funding a child’s education. GEBA Group Term Life Insurance works alongside FEGLI to provide additional, portable coverage that helps ensure your loved ones are financially protected no matter where your career takes you. 

Compare Your Options 

Starting at $1 every two weeks, eligible Federal Employees can access GEBA coverage with member-exclusive pricing and benefits that continue after leaving government service. Tools are available at https://www.geba.com/2026lifeinsurance/ to help you: 

• Estimate how much life insurance you may need 

• Compare GEBA coverage with FEGLI 

• Calculate your potential costs based on age and coverage level 

For detailed information on eligibility, underwriting, and coverage, you can also review the FAQs at https://www.geba.com/group-term-life-insurance/. 

Take the Next Step 

Whether you are early in your career, planning for retirement, or simply reassessing your family’s financial security, GEBA Group Term Life Insurance can help you bridge the gap left by FEGLI and provide peace of mind with coverage you can keep for the long term. 

*Visit https://www.geba.com/2026lifeinsurance/ to learn more.  

1 Source: 2025 Insurance Barometer Study, LIMRA & Life Happens. 

2 Must be 50 years or younger, a US citizen, and not previously declined for coverage. 

3 QuickDecision℠ processing can offer an immediate decision about your application. This approval is conditional on confirmation of your association membership status and coverage limit eligibility. A referral decision may be given if an underwriter needs to review your application and may reach out to confirm the information with you. If you are not approved for insurance through QuickDecision℠ processing, you may still be eligible to apply for coverage using traditional/standard underwriting. May not be available in all states. Not available in Puerto Rico. 

For additional information including cost, features, eligibility, renewability, limitations and exclusions visit www.GEBA.com/termlife. Group Term Life Insurance underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 on Policy form GMR under Group Policy No. G-29555-1. 

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