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Pay Online

WAEPA Members, you can now pay your insurance premiums online via E-Bill Express!

WAEPA Online Premium Payment FAQ:

What is my Certificate Number?

Your Certificate Number is unique to you, and is printed on your bill as well as your other insurance documentation. Your certificate number should be entered as a six digit number. If you have a four or five digit certificate number, you must enter a leading zero(s) to reach a full six digit number.
Example: Certificate Number 50000 should be entered as 050000.

Why should I Enroll, as opposed to using Pay Now?

Enrolling in WAEPA's E-Bill Express online payment program allows you to name and save separate bank accounts for EFT (Electronic Funds Transfer) payment of your insurance premiums, and allows you to create a unique user name and password, instead of having to remember your Certificate Number. Also, by Enrolling you can attach several different e-mail addresses to your account, which will allow you to receive premium bill notifications in the future.

How do I pay for multiple Certificate Numbers for myself, my spouse, my adult kids, etc. at one time online?

Multiple members cannot use one login/profile to remit online payments. For WAEPA to process the payments correctly, each member is required to set up a separate login/profile and pay separately for each Certificate Number.

Now that I have Enrolled, can I opt out of paper bills?

Yes, you can opt-out of paper premium notices by clicking here. This option enables you to lessen your incoming "snail mail" and helps WAEPA achieve its goal to be a greener company. This also saves WAEPA significant printing and postage costs.

If you currently pay WAEPA via our online payment program, E-Bill Express, or have an automatic "bill-pay" payment sent to WAEPA through your bank, now is your opportunity to opt out of paper bills.

If you haven't done so already, visit our website and set up an online billing/payment account. There is no cost for this service, and by signing up you will receive e-mailed bills and the opportunity to pay your bill online via an EFT transaction from your checking account. You are not required to provide your bank account information if you wish to simply receive bill notifications by email. (Credit/Debit cards are not accepted)

I've entered my six digit Certificate Number and my last four SSN digits, but I still can't Enroll/Pay Online?

There may be several reasons why you can't pay online yet:
  • Your information has not yet been uploaded to the Pay Online site.
  • Members who pay premiums via an automatic monthly deduction handled by our accounting department or remit payments directly from their Federal paycheck or OPM annuity, cannot access E-Bills, because there are never any bills to upload to E-Bill Express.
  • We may not have your SSN in our records, or the SSN may be inaccurate. Although members are required to submit their SSN for insurance purposes at the time of application, not every SSN is received by us. Please contact WAEPA so we can correct our files and add your SSN to our database.

I just stopped my payroll deduction/monthly bank draft because I want to pay online, but I can't login?

Your information has not been uploaded to the Pay Online site. Please wait for your next paper bill; once received, you should be able to Enroll and pay online via E-Bill Express.

Can I use my Credit Card/Debit Card to pay online?

Due to the exchange fees charged by Credit Card and Debit Card companies, WAEPA does not accept cards at this time. If this policy changes in the future, details will be provided to our members.

Can I view my WAEPA policy information online?

Member policy information is not accessible online. The E-Bill Express payment program is only for remitting premium payments and has no member coverage information available.

E-Bill Express FAQ

Do I need any special hardware or software to sign up for this E-Bill Express payment service?

No special hardware or software is required to use this service. You will only need Web access and your browser.
Please note that some older browsers use 40-bit encryption. For the highest level of security available, we suggest you use 128-bit encryption to access the site.

After enrolling in this presentment and payment service, when can I start paying my bills?

After you complete and submit the online enrollment form and respond to the activation email, we will start your service immediately. You can then access the service to pay a current bill or view past bills. You should begin receiving an E-Bill notification within a month or so, depending upon the billing cycle (WAEPA members who are E-billed are billed in 3-month, 6-month, or 12-month cycles).

What if I forget my password?

The initial screen provides the ability for you to have a temporary password emailed to the email address used when you enrolled.

How am I billed for this service?

There is no cost for enrolling in and using this payment site. See the Terms of Service for complete details.

How do I cancel this payment service?

To cancel please log in and click Un-enroll.

Where can I find my Account/Certificate number?

You can find your account/certificate number on a recent paper bill. If you cannot locate your Certificate number, please contact WAEPA.

If an account is in a name other than my own (such as a spouse or adult child), can I still sign up for E-Bill payment service?

Yes, but please be sure to use the correct account number as it appears on the paper bill. You will have to log-in separately for each WAEPA policy to make a payment on each policy.

Will I receive a reminder that I have an E-Bill ready for viewing and paying?

You will receive an e-mail notification reminding you that an E-Bill has been presented and is ready for payment.

How long does it take to receive a new E-Bill?

Once you enroll your most recent bill is available immediately.

Will I still receive a paper copy of the bill through the U.S. mail?

You will still receive a bill, unless you opt-out of paper bills.

Can I store or view paid E-Bills?

You can view paid E-Bills by looking at "Search and Pay my Bills." E-Bills will be available for a period of time, typically six to twelve months. You can always use your browser's print function to print the bill if you want to keep long-term records.

When is the money for the payment drawn from my bank account?

The funds for the payment are debited from your account on the scheduled payment date. Keep in mind that you should always have funds available to cover the payment on that date.

How far in advance of the due date should I schedule my payments?

We suggest you schedule your payment for at least 3 business days before the actual payment due date.

Can I make a payment greater than my regular payment amount?

Yes. If you intend to pay an amount different from the E-bill, WAEPA recommends that you advise us via e-mail ( of the reason for the alternate payment amount.

The amount for an E-Bill seems incorrect. What should I do?

If you have questions about an E-Bill, please contact WAEPA.

I did not receive my E-bill. What should I do?

If your normal E-Bill billing cycle has passed and you still have not received your E-Bill, contact WAEPA for additional information. Depending on billing cycles, the exact day you receive your bill each billing cycle may vary.

How can I confirm that a payment has been made?

After the payment date, check the status of the payment by looking in "Payment Status" If the status is "Paid," then the payment has been sent. You can also check to see if the funds have been drawn from your bank account, or you can call the customer care department to see if they received and credited the payment.

What do I do if the payment amount is incorrect?

If the payment amount is incorrect please contact WAEPA.

What do I do if the payment date is incorrect?

If the payment date is incorrect please contact WAEPA.


WAEPA's Life Insurance Program is underwritten by Life Insurance Company of North America (LINA), a Cigna Company.  Neither WAEPA/LINA nor this product are endorsed by or affiliated with any government agency.  "Cigna" and the "Tree of Life" logo are registered service marks of Cigna Intellectual Property, Inc., licensed for use by Cigna Corporation and its operating subsidiaries. All Cigna products and services are provided by or through such operating subsidiaries, including Life Insurance Company of North America, and not by Cigna Corporation.

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