Add the basic, it’s basically 10,000 worth of ins for very low cost. It also becomes free to retirees after age 65 anyway. Options b and c become VERY costly as you age. They are extremely expensive if you do no reduction. Google FEGLI retirement, and use the calculator to see how it prices out for you. It’s on the OPM retirement web page. Congrats on getting out. A lot of people are jealous 😉.