Free Tool
FEGLI Code Lookup
Your federal life insurance is recorded as a two-character code — C0, E5, Z3. It tells you exactly what you carry, and almost nobody can read it. Enter yours below.
Two characters — a letter then a digit.
Where to find it
- Non-postal federal employees: block 27 of your SF-50 (Notification of Personnel Action).
- Postal employees: the same block on your PS Form 50. USPS pays your Basic premium, so unlike other agencies there may be no FEGLI deduction on your pay stub to cross-check against — the form is the reliable source.
- If the two disagree, the SF-50 or PS Form 50 governs. Ask your HR office to confirm before acting on either.
What the pieces mean
- Basic
- Your salary rounded up to the next $1,000, plus $2,000. Required before you can elect any option.
- Option A
- A flat $10,000. One amount, no multiples.
- Option B
- 1× to 5× your salary. This is the age-banded one — the premium climbs every five years and gets expensive late.
- Option C
- Family coverage, 1× to 5× a fixed unit — for a spouse and eligible children, not for you.
The code tells you what you have, not what it costs. Two people with identical codes pay different premiums, because Option B and Option C are priced by age. Working out what yours costs now and at retirement is what a benefits review is for.
All 73 official codes
Straight from OPM’s own SF-50 code translator. The letter carries the coverage combination; the digit is the Option B or Option C multiple.
| Code | Coverage |
|---|---|
A0 | Ineligible |
B0 | Waived |
C0 | Basic only |
D0 | Basic + Option A |
E1 | Basic + Option C (1×) |
E2 | Basic + Option C (2×) |
E3 | Basic + Option C (3×) |
E4 | Basic + Option C (4×) |
E5 | Basic + Option C (5×) |
F1 | Basic + Option A + Option C (1×) |
F2 | Basic + Option A + Option C (2×) |
F3 | Basic + Option A + Option C (3×) |
F4 | Basic + Option A + Option C (4×) |
F5 | Basic + Option A + Option C (5×) |
G0 | Basic + Option B (1×) |
H0 | Basic + Option B (1×) + Option A |
I1 | Basic + Option B (1×) + Option C (1×) |
I2 | Basic + Option B (1×) + Option C (2×) |
I3 | Basic + Option B (1×) + Option C (3×) |
I4 | Basic + Option B (1×) + Option C (4×) |
I5 | Basic + Option B (1×) + Option C (5×) |
J1 | Basic + Option B (1×) + Option A + Option C (1×) |
J2 | Basic + Option B (1×) + Option A + Option C (2×) |
J3 | Basic + Option B (1×) + Option A + Option C (3×) |
J4 | Basic + Option B (1×) + Option A + Option C (4×) |
J5 | Basic + Option B (1×) + Option A + Option C (5×) |
K0 | Basic + Option B (2×) |
L0 | Basic + Option B (2×) + Option A |
M1 | Basic + Option B (2×) + Option C (1×) |
M2 | Basic + Option B (2×) + Option C (2×) |
M3 | Basic + Option B (2×) + Option C (3×) |
M4 | Basic + Option B (2×) + Option C (4×) |
M5 | Basic + Option B (2×) + Option C (5×) |
N1 | Basic + Option B (2×) + Option A + Option C (1×) |
N2 | Basic + Option B (2×) + Option A + Option C (2×) |
N3 | Basic + Option B (2×) + Option A + Option C (3×) |
N4 | Basic + Option B (2×) + Option A + Option C (4×) |
N5 | Basic + Option B (2×) + Option A + Option C (5×) |
P0 | Basic + Option B (3×) + Option A |
Q1 | Basic + Option B (3×) + Option C (1×) |
Q2 | Basic + Option B (3×) + Option C (2×) |
Q3 | Basic + Option B (3×) + Option C (3×) |
Q4 | Basic + Option B (3×) + Option C (4×) |
Q5 | Basic + Option B (3×) + Option C (5×) |
R1 | Basic + Option B (3×) + Option A + Option C (1×) |
R2 | Basic + Option B (3×) + Option A + Option C (2×) |
R3 | Basic + Option B (3×) + Option A + Option C (3×) |
R4 | Basic + Option B (3×) + Option A + Option C (4×) |
R5 | Basic + Option B (3×) + Option A + Option C (5×) |
S0 | Basic + Option B (4×) |
T0 | Basic + Option B (4×) + Option A |
U1 | Basic + Option B (4×) + Option C (1×) |
U2 | Basic + Option B (4×) + Option C (2×) |
U3 | Basic + Option B (4×) + Option C (3×) |
U4 | Basic + Option B (4×) + Option C (4×) |
U5 | Basic + Option B (4×) + Option C (5×) |
V1 | Basic + Option B (4×) + Option A + Option C (1×) |
V2 | Basic + Option B (4×) + Option A + Option C (2×) |
V3 | Basic + Option B (4×) + Option A + Option C (3×) |
V4 | Basic + Option B (4×) + Option A + Option C (4×) |
V5 | Basic + Option B (4×) + Option A + Option C (5×) |
W0 | Basic + Option B (5×) |
X0 | Basic + Option B (5×) + Option A |
Y1 | Basic + Option B (5×) + Option C (1×) |
Y2 | Basic + Option B (5×) + Option C (2×) |
Y3 | Basic + Option B (5×) + Option C (3×) |
Y4 | Basic + Option B (5×) + Option C (4×) |
Y5 | Basic + Option B (5×) + Option C (5×) |
Z1 | Basic + Option B (5×) + Option A + Option C (1×) |
Z2 | Basic + Option B (5×) + Option A + Option C (2×) |
Z3 | Basic + Option B (5×) + Option A + Option C (3×) |
Z4 | Basic + Option B (5×) + Option A + Option C (4×) |
Z5 | Basic + Option B (5×) + Option A + Option C (5×) |
One gap worth knowing about
The chart above has 73 codes, and its structure is regular in every respect but one. Each Option B multiple has a code for Option B alone — G0 at 1×, K0 at 2×, S0 at 4×, W0 at 5× — except 3×, which has P0 for “Option B (3×) + Option A” but nothing for Option B (3×) on its own.
By the letter sequence that code would be O0, and it is absent from OPM’s translator. We could not confirm from a published OPM chart whether O0 is a real code the tool omits, or whether that combination is recorded some other way. If your code is O0, ask your HR office rather than assuming. We would rather tell you we do not know than guess at your life insurance.
Know your code. Now find out what it costs you.
The code is the easy part. What it costs at 65, and whether it still fits, is the part worth an hour.
Source: OPM — Codes on a Notification of Personnel Action (SF-50). Educational only; not individualized insurance, tax or retirement advice. Confirm your coverage with your HR office or OPM.