Affordable Life Insurance Plans for U.S. Armed Forces Employees

Dedicated retirement and financial benefits, and life insurance plans for U.S. Armed Forces personnel.

Financial & Retirement Planning and Life Insurance for U.S. Armed Forces Employees

Are you looking for Group Term Life Insurance for civilian U.S. Armed Forces employees? U.S. Armed Forces civilian employees in the Army, National Guard, Navy, Marines, Air Force, and Coast Guard may be eligible for life insurance through WAEPA.

WAEPA – World Assurance for Employees of Public Agencies – has helped federal civilian employees since World War II. We support members of the federal service, anywhere in the world, access the best life insurance and financial planning resources.

WAEPA is a nonprofit that exclusively serves federal civilian employees. Although we cannot extend benefits to active duty military, we welcome those who are transitioning into their first civilian role. You remain eligible within from the first year of your first-time civilian hire.

Group Life Insurance for New Federal Employees

WAEPA is proud to provide life insurance plans for new U.S. Armed Forces employees that gives you the reliability and flexibility you truly need. Compared to FEGLI, WAEPA provides lower costs and premiums for members across several age groups.

Group Term Life Insurance

Group 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

Guaranteed Issue Life Insurance means qualifying federal employees, including U.S. Armed Forces civilian 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.

Financial Wellness Planning Helps You Cut Through the Clutter

With the enormous number of retirement and benefit options available in the federal service, making the right choices isn’t always easy. WAEPA helps you simplify the complex through one-on-one financial wellness planning advice. Our unique partnership with Ernst & Young means you can work directly with leading financial planners to achieve your goals.

Benefits and Resources Handcrafted for the Needs of Federal Employees

WAEPA benefits and resources are always optimizing. Federal service can be hectic, so we ensure you can get the information and assets you need from anywhere in the world. Our members rave about our webinars, created in association with the National Institute of Transition Planning, Inc. – covering all the financial planning and retirement topics you need to know about.

Convenience, simplicity, and affordability are WAEPA watchwords – yet, our members never need to compromise on quality. To find out what your coverage might look like, just visit our online insurance calculators.

With guaranteed issue life insurance from WAEPA, you’ll be thrilled at how easy it is to get started. Apply now and become a member today!


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.

U.S. Armed Forces Benefits

Learn more about benefits from the U.S. Armed Forces.

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