Frequently Asked Questions
Eligibility & Process
Many Federal Employees are underinsured with FEGLI alone. In fact, Americans who rely primarily on group life insurance have an average coverage gap of $200,0001
Coverage needs vary, but many financial experts recommend 7–10 times2 annual income to replace earnings, pay off debt, and support dependents.
Yes. GEBA coverage is portable, allowing you to maintain your policy after leaving federal employment. Visit GEBA.com/termlife for additional details.
Many members find GEBA offers comparable rates and greater flexibility, particularly for higher coverage amounts for the member, their spouse and dependents.
Eligible members can apply for up to $600,000 in coverage, regardless of salary.
Many members find GEBA offers comparable rates and greater flexibility, particularly for higher coverage amounts for the member, their spouse and dependents.
Yes. GEBA life insurance can serve as primary coverage or supplement FEGLI, giving you the flexibility to build the protection that best fits your needs.
GEBA life insurance is available to eligible federal employees, retirees, and their families, subject to membership and underwriting requirements.
Many applicants can qualify through QuickDecision℠3, depending on coverage amount and eligibility.
Family Coverage
Yes. GEBA offers coverage options for spouses or domestic partners and children to age 26 under one coverage.
Because GEBA coverage is portable, your family’s protection can continue even if your employment status changes.
Cost & Policy Details
QuickDecision℠ is GEBA’s approval process that can give you a life insurance decision in minutes based on your application and secure database checks—so you don’t have to wait weeks for a decision.
If you’re under age 50, you can apply for up to $500,000 in coverage using QuickDecision℠. If you want up to $600,000 or over the age of 50, you can still apply but amounts over $500,000 require additional medical information and full underwriting.
In many cases, no. If more information is needed, underwriters may request additional details or arrange a medical visit at no cost to you.
With your permission, information is gathered from medical and prescription databases, driving records, and other secure sources to help verify your application and speed up the decision.
With QuickDecision℠ many applicants can receive a decision within minutes. Some cases may take a little longer if additional review is needed.
Yes. Your information is collected and stored using high-level security standards and is protected throughout the application process.
Coverage begins once your application is approved, eligibility is confirmed, and your first payment is processed.
Rates are based on age bands. A cost calculator can help estimate future premiums.
Yes. In many cases, you can apply to increase or decrease your coverage as your needs change, such as after marriage, the birth of a child, or other major life events. Increases in coverage may require additional underwriting and approval. Coverage options and eligibility can vary, so it’s best to review your plan details or speak with a GEBA representative for assistance.
Security & Claims
GEBA Group Term Life Insurance is underwritten by New York Life Insurance Company, one of the largest and most financially secure life insurers in the U.S.
Life insurance benefits are paid directly to your designated beneficiaries, typically as a lump sum, to help with income replacement, debts, and final expenses.
GEBA Group Long-Term Disability Insurance is underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010, under Group Policy No. G-29344-0 on Policy Form GMR-FACE/G-29344-0.
For additional information including cost, features, eligibility, renewability, limitations and exclusions visit www.GEBA.com/termlife.
1Source: 2025 Insurance Barometer Study, LIMRA & Life Happens.
2Source: 2025 Life Happens (LIMRA), “How Much Life Insurance Do I Need?”
3QuickDecision℠ 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.
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