Life Insurance Lock-In: Feds Offer Form to Shrink or Scrap Coverage Permanently
Published Date: 12/3/2025
Notice
Summary
Federal employees who have life insurance through FEGLI can now officially reduce or cancel their coverage using a special form. But heads up: once you cancel or reduce, you can’t add that coverage back later. The Office of Personnel Management wants your thoughts on this process by February 2, 2026, so don’t miss your chance to weigh in!
Analyzed Economic Effects
1 provisions identified: 0 benefits, 1 costs, 0 mixed.
Cancelling or Reducing FEGLI Is Permanent
If you are an annuitant enrolled in the Federal Employees Group Life Insurance (FEGLI) Program, you may use form RI 76-30 to cancel or reduce your Basic, Option B (Additional Insurance), or Option C (Family Insurance) coverage. Once you cancel your FEGLI enrollment you cannot ever re-enroll as an annuitant, and if you reduce coverage you cannot later increase it as an annuitant; OPM will not process a request until the signed RI 76-30 form is returned.
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