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1 Understanding Federal Employees Group Life Insurance Presented by: <Speaker s Name> <Speaker s Title> <Date of Presentation>

2 Today s Agenda The FEGLI Program and Options FEGLI During Federal Employment FEGLI in Retirement Additional Coverage: Temporary or Permanent? 2 2

3 Understanding Federal Employees Group Life Insurance THE FEGLI PROGRAM AND OPTIONS 3

4 Federal Employees Group Life Insurance Federal Employees Group Life Insurance (FEGLI) is the largest group-term life insurance program in the world, covering more than 4 million federal employees and retirees. 4 4

5 FEGLI Options Basic coverage Option A Standard coverage Option B Additional coverage Option C Family coverage 5 5

6 Understanding Federal Employees Group Life Insurance FEGLI DURING FEDERAL EMPLOYMENT 6

7 Eligibility New employees Automatically enrolled in Basic coverage unless waived Existing employees Enroll during FEGLI open season Provide medical information & qualify Experience a qualifying life event 7 7

8 Basic Insurance Coverage Equal to base pay, rounded up to next $1,000, plus $2,000 Minimum amount is $10,000, regardless of salary Accidental Death and Dismemberment (AD&D) Cost 15 cents per $1,000 per paycheck 8 8

9 FEGLI Extra Benefit It s FREE! Basic insurance doubles amount for participants age 35 or younger Decreases 10% each year beginning at age 36, through age

10 FEGLI Optional Insurance In addition to Basic insurance and the Extra Benefit, three Optional insurance packages are available

11 Option A Standard Coverage Additional $10,000 of coverage for employee $10,000 AD&D coverage Must have elected Basic coverage Bi-Weekly Premiums Age Group Cost per $10,000 of Coverage Under 35 $ $ $ $ $ $ $

12 Option B Additional Coverage Additional 1, 2, 3, 4 or 5 times annual basic pay Must have elected Basic coverage Bi-Weekly Premiums Age Group Cost per $1,000 of Coverage Under 35 $ $ $ $ $ $ $ $ $ $ $

13 Option C Family Coverage Up to $25,000 of coverage on employee s spouse Up to $12,500 of coverage for each eligible child Must have elected Basic coverage Bi-Weekly Premiums Age Group Cost per Multiple Under 35 $ $ $ $ $ $ $ $ $ $ $

14 Understanding Federal Employees Group Life Insurance FEGLI IN RETIREMENT 14

15 FEGLI in Retirement Eligibility Requirements Must retire on an immediate annuity Must be insured on date of retirement Must be enrolled for last five years If less than five years, then for entire period that coverage was available to you 15 15

16 FEGLI in Retirement Basic Full Reduction 75% Reduction 50% Reduction No Reduction All coverage stops at retirement No cost after retirement Reduces at age 65 by 2%/month to 25% Cost equals $.325/$1000/month until age 65 Reduces at age 65 by 1%/month to 50% Cost equals $.965/$1000/month until age 65 Cost equals $2.265/$1000/month until age 65 Cost equals $1.94/$1000/month until age 65 No cost after age 65 Cost equals $.64/$1000/month until age

17 FEGLI in Retirement Option A Automatic 75% reduction at age 65 Reduces by 2% per month until $2,500 remains Premiums until age 65 No cost after age

18 FEGLI in Retirement Option B Reduces at age 65 by 2% per month until zero remains or Unreduced coverage option for extra premium Age 60-64: $1.13 per $1,000 monthly Age 65-69: $1.34 per $1,000 monthly Age 70-74: $2.47 per $1,000 monthly Age 75-79: $3.90 per $1,000 monthly Age 80 and above: $5.20 per $1,000 monthly 18 18

19 FEGLI in Retirement Option C Reduces at age 65 by 2% per month until zero remains or Unreduced coverage option for extra premium Age 60-64: $5.85 per multiple monthly Age 65-69: $6.80 per multiple monthly Age 70-74: $7.80 per multiple monthly Age 75-79: $10.40 per multiple monthly Age 80 and above: $14.30 per multiple monthly 19 19

20 Understanding Federal Employees Group Life Insurance ADDITIONAL COVERAGE: TEMPORARY OR PERMANENT? 20

21 Temporary Life Insurance For temporary needs Protection provided for a specified period of time Benefits reduced or premiums increased at some point Typically does not build cash value Initially less expensive than permanent insurance 21 21

22 Permanent Life Insurance For permanent needs Protection provided for your entire life Typically provides a level benefit Typically has a level premium May build cash value Costs more initially than temporary insurance 22 22

23 Develop a Personal Life Insurance Plan Take advantage of FEGLI Consider all FEGLI options Meet with a financial advisor to determine what additional coverage is best for you and your family 23 23

24 24 Questions?

25 2013 First Command Financial Services, Inc., parent of First Command Financial Planning, Inc. (Member SIPC, FINRA), First Command Insurance Services, Inc. and First Command Bank. Financial planning services and investment products, including securities, are offered by First Command Financial Planning, Inc. Insurance products and services are offered by First Command Insurance Services, Inc. in all states except Montana, where as required by law, insurance products and services are offered by First Command Financial Services, Inc. (a separate Montana domestic corporation). Banking products and services are offered by First Command Bank. Securities products are not FDIC insured, have no bank guarantee and may lose value. A financial plan, by itself, cannot assure that retirement or other financial goals will be met. In Europe, investment and insurance products and services are offered through First Command Europe Limited. First Command Europe Limited is a wholly owned subsidiary of First Command Financial Services, Inc. and is authorized and regulated by the Financial Conduct Authority. Certain products and services offered in the United States may not be available through First Command Europe Limited. First Command Financial Services, Inc. and its related entities are not affiliated with or endorsed by the U.S. government or U.S. armed forces, and are not affiliated with, authorized to sell or represent on behalf of, or otherwise endorsed by any federal employee benefits programs that may be referenced in this presentation. 25

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