WAEPA’s member basic coverage is payable for death caused by sickness, subject to the terms of the group policy. The group policy contains exclusions in the event of suicide. If an Insured commits suicide, while sane or insane, within 2 years from the date his or her insurance under the policy becomes effective, or the date the coverage is increased, his or her Life Insurance Benefits will be limited to a refund of the premiums paid on his or her behalf. If a Dependent Child commits suicide within 2 years from the date your insurance under the policy becomes effective, or the date the dependent coverage was increased and is survived by other Dependent Children under the same certificate, no refund of premiums will be made.
If an insured dies as a result of a covered accident (until age 65), an additional 20% of the basic coverage is paid to the beneficiary. When a person becomes a member and purchases coverage, they receive a plan booklet and certificate of insurance with details regarding the coverage.