Warrior Retirement

FEGLI Life Insurance · 2026 Decision Guide FEGLI Life Insurance in Retirement: What Federal Employees Must Know Before Costs Balloon The life insurance that cost you $15 per paycheck at age 45 can cost $300+ per month by age 70 — for the same coverage. Here is exactly how FEGLI works in retirement, what it will cost you at every age, and whether keeping it makes financial sense. 📅 April 5, 2026 ⏱ 11 min read 🛡 Warrior Retirement Federal employees receive affordable life insurance through the Federal Employees Group Life Insurance (FEGLI) program during their working years. Basic coverage, Option A, Option B, and Option C provide protection at group rates that feel like a great deal — because they are, while you are employed. Retirement changes everything. FEGLI premiums explode after age 65. The very coverage that felt affordable at $30 per month during your career can cost $400–$600 per month in your late 60s and 70s — for coverage whose value keeps declinin...

Breaking: Congressional proposals to change FERS pension benefits are advancing through committee, and every federal employee needs to understand what is at stake. If enacted, these changes could reduce your retirement income by 5-15% or more — costing you tens of thousands of dollars over a 25-30 year retirement. At Warrior Retirement , we are tracking every proposal and breaking down exactly what each change means for your paycheck, your pension, and your retirement timeline. The Four Major FERS Pension Reform Proposals 1. Switching from High-3 to High-5 Salary Calculation Currently, your FERS pension is calculated using your high-3 average salary — the average of your highest three consecutive years of basic pay. The proposal would change this to a high-5 average , meaning your pension would be based on the average of your highest FIVE consecutive years. Why this matters: For most federal employees, salary increases most rapidly in the final years of service. Adding ...