About Author

Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to fedexperts@federaltimes.com.


  1. I will be retiring soon, but I’m not sure what would be in my best interest to keep for life insurance. What do most people do? I am single. Thanks

    • I don’t know what most people do. However, based on what I’ve been told, single people who don’t have someone to whom they want to leave the proceeds of their insurance either cancel that coverage or at age 65 – when premium deductions end – allow it to decline to 25 percent of its face value.

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