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Education, Insurance & Misc

Fill out SF-2817 (Life Insurance Election - FEGLI) online

Standard Form 2817 (SF-2817) is used by federal employees to elect, change, or cancel coverage under the Federal Employees Group Life Insurance (FEGLI) Program. FEGLI provides group term life insurance and accidental death and dismemberment coverage.

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How to fill out SF-2817 (Life Insurance Election - FEGLI)

1

Enter employee information

Provide your name, Social Security number, date of birth, employing agency, and contact information.

2

Select your coverage elections

Indicate your elections for each type of FEGLI coverage: Basic (equal to your salary rounded to the next $1,000, plus $2,000), Option A (Standard $10,000), Option B (Additional, 1-5 multiples of salary), and Option C (Family, 1-5 multiples covering spouse and children).

3

Complete health questions if applicable

If you are electing coverage that requires evidence of insurability (increasing coverage outside of a qualifying event), complete the health questions section.

4

Sign and submit

Sign and date the form. Your agency benefits office must also sign to acknowledge the election. Submit to your agency for processing.

About SF-2817 (Life Insurance Election - FEGLI)

Who needs this form

Federal employees who want to elect, increase, reduce, or cancel their FEGLI coverage. New employees are automatically enrolled in Basic coverage unless they waive it. This form is used to make changes to coverage levels.

Where to submit

Submit to your employing agency human resources or benefits office. Changes to increase coverage typically require evidence of insurability, and the effective date depends on the type of change being made.

Source and content freshness

Official source (www.opm.gov)
  • Reviewed: 2026-02-16
  • Filing deadlines may shift for weekends and holidays. Verify due dates with official instructions.

Common mistakes to avoid

  • Not realizing that waiving Basic coverage requires using this form (employees are automatically enrolled)
  • Not understanding that increasing coverage after initial enrollment requires evidence of insurability
  • Confusing Basic, Option A (Standard), Option B (Additional), and Option C (Family) coverage levels
  • Not updating beneficiary information when coverage changes (use SF-2823 for beneficiary designations)

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What is the difference between Basic and Optional FEGLI coverage?
Basic FEGLI coverage is automatic (unless waived) and equals your annual salary rounded to the next $1,000, plus $2,000. The government pays one-third of the cost. Optional coverage is additional: Option A is a flat $10,000, Option B provides 1-5 multiples of your salary, and Option C covers your spouse ($5,000 per multiple) and children ($2,500 per multiple). You pay the full cost of all Optional coverage. Use SF-2823 to designate your beneficiary.

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