
Part of Your Living Legacy
WAEPA has helped current and former Civilian Federal Employees build secure, meaningful lives since 1943, with life insurance and other financial wellness services.
Part of Your Living Legacy
WAEPA has been helping Civilian Federal Employees secure their financial future for more than 80 years. Protection from WAEPA allows members to safeguard their tomorrow and fully appreciate today.
Crafting a Well-Built Life
What is a Living Legacy?
The dedication of the Federal workforce is an integral part of moving this country forward as our civil servants strive to serve the American public each day, balancing the demands of the job and home life.
To put it simply, Feds embody the importance of leaving a living legacy, professionally and personally. As such, this is a key component of WAEPA’s mission of helping our members live a well-built life.
WAEPA’s life insurance products and financial wellness resources empower our membership of Civilian Feds to safeguard their future with tangible estate planning and leave a living legacy for their loved ones.

Maslow’s Hierarchy of Needs
Most people are familiar with Maslow’s hierarchy of needs and the five levels that show the process from basic physiological needs to self-actualization:
- Physiological needs: Food, water, shelter, air, etc.
- Safety needs: Personal safety, emotional security, financial security
- Love and belonging needs: Romantic and social connections to family and friends
- Esteem needs: First of the higher needs; feeling good and confident about yourself
- Self-actualization needs: Highest level of needs; realizing your potential and finding self-fulfillment
Providing a living legacy means providing you and your family with the safety and security to live a self-actualized life, even after you’ve passed away. When you’ve taken care of the end, you can plan for the future, without fear.
Practically speaking, leaving behind what your family truly needs requires forethought and coordination, known as estate planning.
Federal Estate Planning

8 Things to Include in Your Estate Plan
Estate planning goes beyond legal documents—it’s about ensuring your family is cared for. If you haven’t started estate planning yet, you might not know where to begin or even what to include. We’ve put together eight key steps that you should consider including.
Federal Estate Planning Guide
WAEPA’s Federal Estate Planning guide features practical information to help you navigate estate planning at large, as well as the specific ins-and-outs of your Federal benefits and the impact on your estate.

- The Need for Estate Planning
- Estate Planning Tools and Documents
- Types of Property Ownership
- The Probate Process and How to Avoid to Minimize
- Federal Gift Taxes
- Recommendations for Single Employees and Retirees
- Recommendations for Married Employees, Retirees, and Surviving Spouses
By having an estate plan in place, you can ensure that your family will have what they need from you after you’ve passed away.
Financial Wellness Resources for Feds
Maslow’s hierarchy of needs reminds us that once our basic needs are met—like safety and belonging—we can focus on achieving our full potential. WAEPA helps you and your family achieve this by providing peace of mind through financial security.
WAEPA, formed For Feds, By Feds, is proud to promote the health, welfare, and financial well-being of the Federal workforce. Not only does WAEPA offer comprehensive life insurance and disability coverage options for Feds, but we also provide further practical resources, designed to help you navigate all facets of Federal life.
Here are some of WAEPA’s key financial wellness resources, for when life goes to plan, and not to plan.

Living in the Sandwich Generation
The “Sandwich Generation” refers to individuals who are responsible for both their children and their aging parents. This blog post has helpful advice for reducing stress while managing intergenerational care.

Stay the Course During Market Turbulence: 6 Retirement Investing Tips
Stock markets in the U.S. and worldwide have recently experienced unexpected and significant volatility in recent weeks. Explore tips for managing your investments.

What is Financial Wellness (and Why Does it Matter)?
No matter where you are in your financial journey, it’s important to know what you are working to achieve, and how to assess your progress. Find practical advice for navigating financial wellness.
These resources and others from WAEPA can help you reach your goal of financial stability. Again, when things are stable, when you’ve made a plan for the unknown, you can better appreciate today.
Explore Health & Wellness Resources for Feds
For more than 80 years, WAEPA has been committed to helping Feds and their families live a self-actualized life.
With your family’s physiological, safety, love and belonging needs all taken care of with careful financial and estate planning, it’s time to look at your own self-actualized needs.
We know that not only do Feds take care of our country, but they take care of their families and communities. Civilian Federal Employees are known for their unwavering dedication, integrity, and sense of duty, traits they bring to their personal and professional lives.
There’s truth to the adage that you can’t pour from an empty cup. Taking care of your family and community starts with taking care of yourself. Mental and physical health are closely connected, as prolonged stress levels can have adverse physical effects. Working to keep yourself mentally well can help you be your best self for those who rely on you.

3 Keys to Improving
Sleep Quality
With its important role in our daily and long-term success and health, how can we take a more active role in maximizing the power of sleep? Explore key considerations in this blog post.

Why and How to Consider a Digital Detox
While there are undeniable productivity gains, our use of screens can come at a steep cost. To balance the good and the bad of screens, consider a commitment to a digital detox.

Healthy Eating Habits for Busy Professionals
Maintaining healthy eating habits is important to sustain energy and health, and it does not have to add to your already full plate. Find sustainable and empowering healthy eating habits.
To reiterate, taking care of yourself mentally is an integral part of sustaining your physical health and your ability to take care of others.
Over the last 80 years, WAEPA has seen the Federal workforce navigate challenges and remain tirelessly dedicated in the face of obstacles. Remembering to fill your own cup can help ensure that you are able to continue giving your best.
By ensuring that you take care of yourself, your family, your community, getting an estate plan in place, and safeguarding the financial future with coverage from WAEPA, you can truly leave a living legacy.
There’s nothing more important than providing for your loved ones.
Explore WAEPA’s comprehensive coverage options.
WAEPA | A part of your living legacy.