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Frequent Questions

AFSPA Life Insurance Plans FAQs

AFSPA is proud to offer three coverage options for life, exclusively designed for our members.

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).
  Group Enhanced Life (GEL)Accidental Death and Dismemberment (AD&D) Immediate Benefit Plan
 OverviewGeneral policy covers death from any cause.Policy covers accidental death and loss due to severe injuries.Exclusive plan for active employees in participating agencies that issues payment within 48 hours of notice.
 War & TerrorismBoth are covered.War is excluded; terrorism is covered.Both are covered.
 BenefitsBetween $50,000 and $600,000, in increments of $50,000.Between $10,000 and $600,000, in increments of $10,000.A one-time payment of $15,000 or $20,000 ($7,500 or $10,000 if the insured is over the age of 70). Benefits are processed within 48 hours of AFSPA’s notification of death.
 PremiumPremiums depend on age; see plan brochure (PDF below).For self only, annual premium is $0.66 for each $1,000 of coverage. For any combination of self plus spouse/ dependent/ family, annual premium is $0.88 for each $1,000 of coverage.Premiums are paid through a payroll deduction: a flat fee of $2 or $2.55 per pay period.
 Family Coverage

Is available. Spouse and dependent children ages 19 and over can also apply for coverage in their own name.

Is available. Spouse and dependent children ages 19 and over can also apply for coverage in their own name.Not available.
 Effective DateYou will be notified of effective date following approval of your application.The first day of the month following AFSPA’s receipt of enrollment forms.The first day of the month following AFSPA’s receipt of initial $2.00 payroll deduction.
 EligibilityAll AFSPA members and family members.All AFSPA members and family members. 

Employees of:

  • State Department
  • BBG
  • Foreign Agricultural Service
  • Foreign Commercial Service (Foreign Service employees only)

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