Main Compass Rose Site

How much could you save?

By answering just a few simple questions, we can help you compare rates between Compass Rose Group Term Life Insurance and FEGLI.

Apply Today
Arrow icon pointing down Calculate Your Savings

Why Compass Rose?

Our Group Term Life Insurance is underwritten by New York Life Insurance Company,1 who has been helping families for over 175 years. We provide coverage of up to $500,000 with no salary limitations, no enrollment period and no medical exam. Help protect your family from life’s uncertainties and gain peace of mind with coverage designed to fit your unique needs.

Who Do We Serve?

Compass Rose Group Term Life Insurance is available to all active civilian Federal Employees.2 Plus, if you change jobs in the future, you can maintain your coverage with us wherever you end up.

What About FEGLI?

Most Federal Employees are automatically enrolled in Federal Employees' Group Life Insurance (FEGLI). Aside from not being able to keep FEGLI if you change jobs, your coverage is salary dependent and is capped at about 6x your Federal salary.3,4 Compass Rose Group Term Life Insurance can help supplement your existing FEGLI coverage. Use the calculator below to compare our coverage.

Calculate How Much You Could Save On Monthly Premiums

By answering just a few simple questions, we can help you compare rates between Compass Rose Group Term Life Insurance and FEGLI.
* required fields
About You
Your age is required to determine your coverage.
Your income is required to determine your coverage.
Your retirement status is required
Your employment status is required
Your Coverage Needs

Who are you looking to protect?

Must select at least self coverage
$50,000
$50K $500K
Your spouse/partner's age is required to determine your coverage.

Note: Supplemental Spouse coverage terminates at age 75

$10,000
$10K $110K
$20,000/child

Compass Rose Term Life Insurance

Your Coverage

---,---

Spousal Coverage

---,---

+ $10,000 at no additional cost

Automatic AD&D

---,---

Dependent Coverage

---,---

$0.00/month 5

FEGLI Basic Coverage

Your Coverage

---,---

Automatic AD&D

---,---

$0.00/month 6
Apply Now

Email My Results

* Entering your email address will provide you with your results and a few follow up emails to see if you have any questions.

Apply for Coverage

Help protect your family’s financial future — apply for life insurance and, once approved, gain peace of mind knowing that your loved ones will be taken care of, no matter what life throws at you.

Apply Today
Compass Rose Group Term Life Insurance Includes:
  • Coverage of up to $500,000 without salary limitations
  • Guaranteed acceptance of up to $250,000 during the first 60 days of employment for new federal employees
  • Up to $100,000 in Accidental Death and Dismemberment Insurance at no additional cost (equal to 50% your life insurance amount)
  • Automatic $10,000 of coverage for your spouse at no additional cost
  • Up to $100,000 of Supplemental Spouse Coverage
  • Automatic $20,000 of coverage for unmarried dependent children under age 26
  • 100% portability — even if you leave your present employer or government position, you can remain insured
  • Protection for losses due to Acts of War and Terrorism, anywhere in the world

1. 2021 LIMRA Life Insurance Barometer Study

2. New York, NY 10010 on policy form GMR-ER-P

3. https://www.opm.gov/FAQs/QA.aspx?fid=fd635746-de0a-4dd7-997d-b5706a0fd8d2&pid=051d0a43-b84b-4b8e-b38d-0b878f080550&result=1

4. https://www.opm.gov/healthcare-insurance/life-insurance/reference-materials/federalbooklet.pdf

5. As of 05/2021. Premiums are based on the insured’s age when coverage is issued and increase as the insured enters a new age bracket. At age 65, coverage reduces by 35% of the pre-65 coverage amount and further reduces at age 70 to 50% of the pre-65 coverage amount. AD&D also reduces so that it is always equal to 50% of your coverage amount not to exceed $100,000. Retiree and Supplemental Spouse coverage terminates at age 75. Rates are subject to change on any premium due date and any date when benefits are changed but may change only if rates are changed for an entire class of insureds, for example, a group of people with the same issue age.

6. FEGLI rates shown reflect Basic Insurance for active employees. FEGLI Basic provides coverage to the enrollee. https://www.opm.gov/healthcare-insurance/life-insurance/reference-materials/federalbooklet.pdf

The experiences of the individual described herein may not be representative of the experiences of all members.

Click Apply Today for coverage details including eligibility, renewability, features, costs, exclusions and limitations. Underwritten by New York Life Insurance Company (NY NY 10010) on policy form GMR-ER-P.

New York Life is licensed/authorized to transact business in the 50 United States, District of Columbia and Puerto Rico. New York Life's state of domicile is New York and NAIC ID#66915.

BATES 1902387 7/21

Policies