Due to security and concerns for protecting your privacy, ALL Direct Debit enrollments/changes will be handled through the AFSPA Member Portal.

Three e-mails will be generated: (1) an e-mail containing a secure PDF of your signed enrollment for your records; (2) an acceptance e-mail from the AFSPA Accounting Team that your Direct Debit has been processed and accepted; and (3) an e-mail when the first debit has occurred from your bank account.

All changes made online to your Direct Debit will be confirmed via e-mail.

You can also use the edit button to change bank information quickly and immediately.

To cancel direct debit, send a request via email or our secure forms page and indicate the date on which direct debiting should be cancelled. 

For most Federal employees, FEGLI automatically covers your annual pay, rounded to the nearest $1,000, plus an additional $2,000. FEGLI offers the options of purchasing additional coverage and of covering family members. If you did not purchase any of the optional FEGLI coverage as a new hire, and if you do not purchase any of the optional coverage within the statutory timeframe around a qualifying life event, open enrollment seasons are few and far between. There was one held in 2004 and not again until 2016. (For more information about FEGLI, please see OPM’s Life Insurance Booklet.)

All AFSPA members can apply for an AFSPA life insurance plan at any time. Equally important, AFSPA’s Group Enhanced Life (GEL) insurance policy covers deaths from war and terrorism and enables you to use a portion of your coverage amount to assist with items such as home care, assisted living and nursing home expenses. Perhaps you were previously happy with your FEGLI coverage, but your needs have changed because of a new assignment, growth of your family, or a change in your personal financial situation. Consider applying for our policy to provide added peace of mind for you and your family in the future.

In addition, AFSPA’s Accidental Death and Dismemberment (AD&D) plan can be purchased separately to supplement your FEGLI insurance. It covers accidental deaths and loss due to severe injuries, including when these incidents involve terrorism. Like our life insurance plan, AFSPA’s AD&D policy includes a family coverage option as well.

Finally, AFSPA offers an Immediate Benefit Plan to ensure a benefit of $15,000 ($7,500 if age 70 and older) will be processed by Prudential within 2 days of AFSPA’s receipt of notice of death. This plan is only available to active duty, U.S. citizen, direct hire Foreign Service and Civil Service employees of the following agencies:

• Department of State.
• U.S. Agency for International Development.
• Broadcasting Board of Governors.
• Foreign Agricultural Service.
• U.S. and Foreign Commercial Service (only available to Foreign Service employees of this agency).

All three plans may be purchased, depending on your needs. 

For most Federal employees, FEGLI automatically covers your annual pay, rounded to the nearest $1,000, plus an additional $2,000.

FEGLI offers options for purchasing additional coverage and covering family members. Purchasing optional FEGLI coverage as a new hire or within the statutory timeframe around a qualifying life event is critical, as open enrollment seasons are few and far between. There was one held in 2004 and not again until 2016. (For more information about FEGLI, please see OPM’s Life Insurance Booklet.)

On the other hand, all AFSPA members can apply for an AFSPA life insurance plan, issued by The Prudential Insurance Company of America, at any time.

AFSPA’s Group Enhanced Life (GEL) insurance policy covers deaths from most causes, including war and terrorism, and the Accelerated Benefit Option (ABO) allows you to use a portion of your coverage amount to assist with items such as home care, assisted living, and nursing home expenses if you’re diagnosed with a qualifying condition. Group Enhanced Life offers comprehensive life insurance coverage at affordable rates and is designed specifically for our members. All active AFSPA Members under age 60 are eligible to apply, as well as their qualified dependents.

AFSPA’s Accidental Death and Dismemberment (AD&D) plan can be purchased separately to supplement your FEGLI insurance. It offers guaranteed acceptance, meaning you’ll never have to answer health questions or undergo a medical exam, and covers accidental deaths and loss due to severe injuries, including when these incidents involve terrorism. Like our life insurance plan, AFSPA’s AD&D policy also includes a family coverage option. With member rates of $2.75/month for $50,000 in coverage, AD&D may be an affordable, important supplement to any existing coverage you may own. All active AFSPA Members aged 19 and over are eligible to enroll, as well as their qualified dependents.

The Immediate Benefit Plan (IBP) offers convenient payroll deduction and is designed for those who quickly need cash on hand to care for expenses related to the covered person’s passing. It guarantees a benefit of $15,000 or $20,000 ($7,500 or $10,000 if age 70 and older) will be processed by Prudential within two business days of AFSPA’s receipt of notice of death. This plan is available only to active duty, U.S. citizen, direct hire Foreign Service, and Civil Service employees of the following agencies:

• Department of State
• U.S. Agency for International Development
• Broadcasting Board of Governors
• Foreign Agricultural Service
• U.S. and Foreign Commercial Service (only available to Foreign Service employees of this agency)

All active AFSPA Members of the above agencies aged 19 and over are eligible to apply; dependents are NOT eligible.

Senior Term Life Insurance is designed specifically to help members aged 65 – 74 care for final expenses. It helps ensure your loved ones aren’t left facing financial burdens like funeral or cremation costs, household bills, and medical expenses during an already difficult time. There are two benefit amounts available, $15,000 and $25,000, and the plan offers affordable rates and optional coverage for your spouse or domestic partner. All active AFSPA Members aged 65-74 are eligible to apply, as well as their qualified spouses and registered domestic partners.

These coverages are issued by The Prudential Insurance Company of America (Prudential).

• Overview: Designed specifically to care for final expenses.
• War & Terrorism: Both are covered.
• Benefits: Provides beneficiaries with cash on hand while your estate is being settled, which can be used for things like final expenses, outstanding debts, and gifts to family or charity.
• Premium: Premiums depend on age; see plan brochure.
• Family Coverage: Optional coverage for your spouse or domestic partner.
• Effective Date: You will be notified of effective date following approval of your application.
• Eligibility: AFSPA members and their spouse/domestic partner aged 65 – 74. Spouses can apply for coverage without Principal Member election.

AFSPA Life coverage remains in effect as long as you’re an AFSPA member and continue to keep your premium payments up to date. You can keep your coverage even if you move jobs or retire.

These are special rates, negotiated by AFSPA, for active AFSPA members. Premiums are competitive across rate categories and coverage options.

Group Enhanced Life (GEL) Insurance, Accidental Death & Dismemberment (AD&D), and Senior Term Life Insurance can be purchased at any time.

The Immediate Benefit Plan is also available at any time but can only be purchased by employees of the State Department, USAID, BBG, the Foreign Agricultural Service, and the Foreign Commercial Service (Foreign Service employees only). This coverage is NOT portable and automatically terminates once you retire or separate from employment from an eligible agency.

Premium payments for the Immediate Benefit Plan are deducted directly from your paycheck. An invoice will be issued to make payment directly to AFSPA for all other coverage types.

Due to security and privacy protections, ALL direct debit enrollments/changes will be handled via the AFSPA Member Portal.

Three emails will be generated:

• An email containing a secure PDF of your signed enrollment for your records
• An acceptance email from the AFSPA Accounting Team that your direct debit has been processed and accepted
• An email when the first debit has occurred from your bank account

All changes made online to your Direct Debit will be confirmed via email.

You can also use the edit button to change bank information quickly.

To cancel direct debit, send a request via email or our secure forms page and indicate the date the cancellation should take effect.