Federal Government Civilian Employees Pay the Same Rates as Military!

MBA Term 90	Level Term II	Decreasing Group Term
Continuous coverage until age 90	Continuous coverage until age 70	Coverage does not terminate due to age
Lump Sum Payment	Lump Sum Payment	Monthly Death Benefit
$250,000 under age 39, $16.25 a month for non-tobacco user	$250,000 under age 50, $18.75 for non-tobacco user	Plans from $180,000 to $600,000 premiums not affected by tobacco use
Level Term until the age of 70, then benefit reduces, no change in premium after 60	Death Benefit does not decrease, premium does not increase until the age of 51	Coverage decreases and premium increases with age
Children are covered at no additional charge to member if carrying at least 2 units	Children are covered at no additional charge to the member if carrying at least 2 units	Family Plan is available for additional cost to the member