Affordable Life Insurance Plans for DOS Employees

Dedicated retirement and financial benefits, and life insurance plans for State Department personnel.

Financial & Retirement Planning and Life Insurance for DOS Employees

Now more than ever, the Department of State has a vital job to do protecting America’s interests and maintaining its another facility strategic relationships. Today, its civilian employees can benefit from the best life insurance for Department of State personnel, no matter where they are in the world.

WAEPA – Worldwide Assurance for Employees of Public Agencies – has been dedicated to the providing life insurance and other benefits to federal civilian employees since World War II. You never know where your service might take you, but WAEPA will always be there with you.

WAEPA is proud to provide Group Term Life Insurance plans for new Department of State employees that gives you the reliability and flexibility you truly need. Compared to the Federal Employees' Group Life Insurance (FEGLI) Program, WAEPA provides lower costs and premiums for members across several age groups.

Throughout our history, we’ve provided insurance access to more than 100,000 federal workers and their dependents. Our current membership stands at more than 44,000 – and employees of the Department of State are eligible to enjoy all that we have to offer.

Group Term Life Insurance

Group Term Life Insurance from WAEPA provides up to $1.5 million in coverage for eligible members, which will not be lost if you change jobs or retire – even after leaving the federal government. An eligible member’s coverage also extends to spouse and children.

Guaranteed Issue Life Insurance for New Employees

Guaranteed Issue Life Insurance means qualifying federal employees, including Department of State employees, cannot be turned down coverage for up to $100,000 within their first year of hire. If you qualify for this offer, you do not need to submit medical documentation or other complex paperwork to access your benefits. An applicant must simply be a U.S. citizen under age 70 applying within one year of first-time, non-military government hire.

Life is complicated, but life insurance doesn’t have to be.

Wellness Planning for Federal Civilian Employees

When it comes to financial wellness planning, federal personnel face unique challenges and opportunities. WAEPA has developed an alliance with Ernst & Young, the leaders in personal finance strategy, so our members can face life’s significant milestones with confidence. You’ll receive personalized attention from a financial advisor who truly understands your needs.

Benefits and Resources That Grow With Your Needs and Career

The federal service is changing fast, and WAEPA is changing with it. Our benefits and resources are always expanding. In conjunction with the National Institute of Transition Planning, Inc. (NITP) we’ve developed a series of webinars our members can view from anywhere in the world to get inside information on retirement planning and other career essentials.

As a federal civilian, you’ve almost certainly heard about FEGLI life insurance. WAEPA provides a FEGLI alternative that can provide most of our prospective member's superior premiums. Plus, you can even choose to maintain WAEPA coverage after you depart from the government.

That’s part of our dedication to being at your side every step of the way.

Become a Member Today

Are you interested in learning more about the #1 FEGLI alternative in the United States and how it can work for you? Use our life insurance calculators to get the facts on premiums and benefits you’ll need to make an informed decision.

When you’re ready to get started, our life insurance application process is the simplest you’ll find. The online application can be completed in minutes, and you don’t have to wait to submit additional documentation. Questions? Contact us anytime.


Our WAEPA Guides cut through the complexity and get to the heart of the matter – helping you decide what’s right for you.


Our tools and resources are here to make your decisions easier.

DOS Benefits

Learn more about benefits from the State Department.

Ready to Apply?

Apply now and start enjoying the benefits.