Program Overview

FEDERAL FIRST Voluntary Term Life Insurance Program

Are you eligible to enroll?

You are eligible to enroll for the FEDERAL FIRST Voluntary Term Life Insurance Program if you are a regular active, benefited full-time employee of the Federal Judiciary, Department of Justice, or Veterans Affairs working 20 or more hours per week during your employer's work week.

You will be eligible to enroll for coverage as of the day you meet the definition of an eligible employee as defined above.

Term Life Insurance Program Benefits

With the FEDERAL FIRST Voluntary Term Life Insurance Program, as an eligible employee, you can elect from a range of coverage options to help you make the right choice for your individual needs and financial situation.

Active Employee
  • You can elect coverage in $10,000 increments up to the lesser of $500,000 or 5 times your base annual earnings.

When you elect coverage for yourself, you may elect Family Coverage where you can get coverage for your spouse and dependent children. Dependent children are those age 14 days to 19 years or to age 25 if unmarried and a full-time student.

The Family Coverage is a package and cannot be separated to cover only a spouse or only a child.

Family Coverage - For Your Spouse and Dependent Children

You can elect one of the following options

  • Option 1: $ 5,000 Spouse / $ 2,500 per Child
  • Option 2: $10,000 Spouse / $ 5,000 per Child
  • Option 3: $15,000 Spouse / $ 7,500 per Child
  • Option 4: $20,000 Spouse / $10,000 per Child
  • Option 5: $25,000 Spouse / $12,500 per Child

Please note that Family Coverage is a package and cannot be separated to cover only a spouse or only a child. Your spouse and dependent children combined coverage cannot exceed 100% of your employee coverage.

Guaranteed Acceptance Coverage Amounts

Each newly eligible employee is given the opportunity to elect guaranteed acceptance amounts of coverage during their introductory enrollment period.

Current Introductory Enrollment Periods are:

  • New Hires: 60-days following date of eligibility
  • Department of Justice employees: Now Closed
  • Veterans Affairs employees: Now Closed
  • Federal Judiciary employees: Now Closed

This means that during the 60 days following your date of eligibility, or during the specified enrollment period, you may purchase - without answering medical questions or completing a medical questionnaire - the following guaranteed acceptance amounts of coverage for yourself and for your dependents. If you elect coverage above the guaranteed amount, you will need to provide evidence of insurability.

Active Employee
  • You can elect coverage in $10,000 increments up to the lesser of $100,000 or 2 times your base annual earnings.
For Your Spouse and Dependent Children
  • You can elect any one of the five available coverage options, provided the coverage under the option you choose is not more than the coverage amount you elected for yourself.

Evidence of insurability is required

  • For coverage amounts requested in excess of the amounts shown above if you enroll within your introductory enrollment period.
  • For any amount of coverage you elect for yourself and your spouse if you enroll after your introductory enrollment period.

If Evidence of insurability (EOI) is required, FEDERAL FIRST will process your application for coverage up to the Guaranteed Acceptance amount.

MetLife will provide you with instructions to provide evidence of insurability. If you enroll during the initial open enrollment period, MetLife will send EOI materials and instruction at the close of the enrollment period.

Benefit Features You Can use Today

The FEDERAL FIRST Voluntary Term Life Insurance Program includes these benefit features, too.

This voluntary life insurance contains Limitations and Exclusions.
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