Lower premiums for you, the civilian federal or U.S. postal service employee. If you are less than 65, you can save money with WAEPA's life insurance plan compared to your current FEGLI coverage.

WAEPA's premiums for your spouse and dependent children are also significantly less than those charged by FEGLI.

With WAEPA life insurance coverage you are eligible to participate in any future premium refunds. WAEPA has returned over $51,000,000 in insurance premiums to its members since 1996.

More coverage options for you the federal employee. WAEPA offers coverage from $25,000 up to $750,000. You choose the right amount of coverage to meet your individual needs. Unlike FEGLI, you are not limited by the amount of your annual salary.

More coverage options for your dependent spouse. WAEPA offers coverage from $10,000 up to $250,000 (the current FEGLI maximum is $25,000).

Domestic partners of WAEPA members are now eligible for associate membership and dependent coverage.

WAEPA also offers more coverage for your dependent children. WAEPA offers up to $25,000 of coverage (the current FEGLI maximum is $12,500).

WAEPA offers coverage for your non-dependent adult children, a benefit not provided by FEGLI. Your non-dependent adult children are eligible to apply for their own coverage from $25,000 up to $750,000 (even if they are not federal employees), once you become a member of WAEPA. It is easy for you to join WAEPA by paying a one-time $2.00 membership fee, and there is no insurance purchase required on your part.

You can apply for an increase in your WAEPA coverage at any time. You don't need a special Open Season to do so.

WAEPA insurance coverage continues if you leave federal service. You retain your WAEPA coverage if you retire or become employed in the private sector.