# Episode 117: FEGLI vs. Term Life: When to Replace Your Federal Employee Life Insurance

Page: https://stenobird.com/podcast/federal-employee-financial-planning-podcast-4835471/episode-117-fegli-vs-term-life-when-to-replace-your-federal-employee-life-insurance
Text version: https://stenobird.com/podcast/federal-employee-financial-planning-podcast-4835471/episode-117-fegli-vs-term-life-when-to-replace-your-federal-employee-life-insurance.md
Podcast: [Federal Employee Financial Planning Podcast](https://stenobird.com/podcast/federal-employee-financial-planning-podcast-4835471)
Published: 2026-05-11T10:00:00+00:00
Episode link: https://federalemployeefinancialplanningpodcast.libsyn.com/episode-117-fegli-vs-term-life-when-to-replace-your-federal-employee-life-insurance
Audio file: https://traffic.libsyn.com/secure/federalemployeefinancialplanningpodcast/FEGLI_vs._Term_Life_When_to_Replace_Your_Federal_Employee_Life_Insurance.mp3?dest-id=2949974
Processing state: not_requested
JSON: https://stenobird.com/v1/public/podcasts/federal-employee-financial-planning-podcast-4835471/episodes/episode-117-fegli-vs-term-life-when-to-replace-your-federal-employee-life-insurance
Duration seconds: 3079

## Resource

What should federal employees actually do with their life insurance, and when does FEGLI stop making sense? In this episode, John and Tommy break down everything you need to know about Federal Employees' Group Life Insurance (FEGLI), including Basic coverage, Options A, B, and C, and how these choices evolve throughout your career and into retirement. You'll learn how FEGLI pricing really works, why Option B becomes expensive over time, and when it might make sense to explore term life insurance instead. Access the full show notes at Mason & Associates, LLC Resources Mentioned: FEFP: Why Federal Employees Can't Afford to Ignore Insurance with Broc Buckles (EP98) Term4Sale.com Mason & Associates: LinkedIn John Mason: LinkedIn Tommy Blackburn: LinkedIn

## Actions

- request_transcript: `POST https://stenobird.com/v1/public/podcasts/federal-employee-financial-planning-podcast-4835471/episodes/episode-117-fegli-vs-term-life-when-to-replace-your-federal-employee-life-insurance/transcription-requests` — Idempotently request low-priority transcript generation for this episode.
- read_markdown: `GET https://stenobird.com/podcast/federal-employee-financial-planning-podcast-4835471/episode-117-fegli-vs-term-life-when-to-replace-your-federal-employee-life-insurance.md` — Read the agent-friendly Markdown representation of this episode resource.

A page view does not enqueue transcription. Agents should invoke `request_transcript` explicitly when they need this episode processed.

## Transcript

Full transcripts are not published on public pages unless there is a clear rights basis.