Guaranteed Issue for a limited time
Life Insurance for Current and Former Feds under 40
Eligible Feds under 40 can get $100,000 in guaranteed* coverage, no medical exams required. Offer ends Friday, October 2, 2026
Get $100,000 in life insurance coverage—no medical exams or blood tests. Civilian Federal Employees under 40 are eligible for this guaranteed coverage offer.
Coverage made easy
Key Benefits
Life is complicated, life insurance shouldn’t be. With WAEPA, you can secure a policy in minutes and get back to life.
Exclusive Rates
Members switching from FEGLI to WAEPA typically save more than $300 a year**.
No Lab Work Required
Guaranteed coverage without the hassle of medical exams or blood work.
Portability
Keep your coverage even if you change jobs, retire, or leave Federal service altogether, for any reason.
$100,000 Life Insurance Rates*
| Age | Yearly | Quarterly | Monthly | Bi-Weekly |
|---|---|---|---|---|
| under 25 | $42.00 | $10.50 | $3.50 | $1.62 |
| 25-29 | $42.00 | $10.50 | $3.50 | $1.62 |
| 30-34 | $42.00 | $10.50 | $3.50 | $1.62 |
| 35-39 | $46.80 | $11.70 | $3.90 | $1.80 |
Our Group Term Life Insurance premium rates are structured in 5-year age bands. Your rate will increase when you reach a new age band. Coverage automatically renews on an annual basis provided premiums are paid when due. Maximum amount of coverage begins to reduce at age 60; however premiums may not reduce. Rates current as of 8/1/2026.
Eligibility
This limited-time offer is designed to support these employees, as they begin their Federal careers and navigate ongoing uncertainty.
Due to ongoing workforce disruptions, these employees may have not been able to advantage of WAEPA’s typical new hire guaranteed issue offer.
Be a United States citizen and less than 40 years old.
Be a new WAEPA member (existing members, spouses, and dependents are not eligible), and have not previously been declined for coverage from WAEPA.
Apply by Friday, October 2, 2026.
Apply for exactly $100,000 in coverage (nothing more, nothing less).
Ready to Get Started?
Take the next step and get $100k in coverage without any medical underwriting.
Three Easy Steps to Guaranteed Coverage
Submit an Application
Guaranteed coverage without the hassle of medical exams or blood tests.
Get $100k in Coverage
Receive $100,000 in Group Term Life Insurance, guaranteed.
You’re Approved!
Start enjoying peace of mind and WAEPA’s exclusive member benefits.
WAEPA IS THE NAME FEDS HAVE TRUSTED SINCE 1943
Reliably Backed by New York Life Insurance Company
QUESTIONS?
We’re Here to Help
If you’re unsure of your coverage needs or need help with the application process, our dedicated team of specialists is available to help you.
Give Us a Call
Our team is available at
(800) 368-3484
M-Thu 8:30 a.m. – 6:30 p.m.
F 8:30 a.m. – 5 p.m. ET
Coverage Options for Feds 40 and over
Current and former Civilian Feds can still apply for WAEPA’s standard Group Term Life Insurance, up to $1.5 million in coverage, typically with no medical exams.
Disclaimers
Underwritten by New York Life Insurance Company, 51 Madison Ave., New York, NY 10010 on Policy Form GMR/G-30280-0
WP-LP-100K-0626-29
*To be eligible: Civilian Federal Employees must meet the following criteria:
Be a United States citizen; Be less than 40 years old; Be a new WAEPA member (existing members, spouses, and dependents are not eligible); Apply within 60-day period (offer expires 10/2/2026); Apply for $100k in coverage only (nothing more or less); Never been declined or withdrawn a WAEPA application, offer not available to anyone who has previously accepted a WAEPA guaranteed issue offer
This offer non-appropriated fund (NAF) employees and U.S. Postal Service employees under the age of 40.
**Based on the average 45-year-old who switched from FEGLI to WAEPA, as of 1/1/2025
Group Term Life Insurance is not available in the following U.S. Territories: American Samoa, Northern Mariana Islands, U.S. Minor Outlying Islands, Micronesia, Marshall Islands, and Palau.
Louisiana residents: please contact WAEPA Member Services at (800) 368-3484 for more information on applying for coverage.
Michigan residents: I understand that I may use a producer/agent to assist me with the completion of this application at no cost to me.