FAQ: Guaranteed Issue Life Insurance


← Back to all FAQs

How much Insurance can I get under Open Enrollment?

You can choose $25,000, $50,000, $75,000, or $100,000 of coverage.

▲ Back to top

What are the Eligibility Requirements?

To receive guaranteed issue coverage, you must:

  • Be a newly hired, first-time civilian federal employee
  • Apply within 365 days of your original federal hire date
  • Be a United States citizen under 70 years old

You are not eligible if you have moved from one federal position to another.

Active Members of the US Military are not eligible.

▲ Back to top

Are Medical Exams Required?

No. Because the coverage is guaranteed, no exam is required.

▲ Back to top

Are there any other benefits?

Yes, additional benefits include AD&D* (Accidental Death & Dismemberment) and Common Carrier** coverage.

*In the event an insured Member’s death is a result of an accident, an additional benefit will be payable to your beneficiary(ies).

In the event an insured Member loses use of specific body parts or body functions (dismemberment) as a result of an accident, an additional benefit will be payable to your beneficiary(ies).

**In the event an insured Member’s death is a result of an accident, whilst a fare-paying passenger on a commercial mode of transportation (common carrier), such as a bus, train, airline, or ship, an additional benefit will be payable to your beneficiary(ies).  The Common Carrier benefit is an additional benefit separate from the AD&D benefit.

*exclusions apply

▲ Back to top

What if I need more than $100,000 in coverage?

If you need more than $100,000 in coverage, you can apply for additional coverage at any time prior to your 70th birthday.  You can also apply to add coverage for your dependent spouse and children.  This application would be medically underwritten, which means a medical exam and/or copies of medical records may be required.  Additional coverage is not guaranteed.

▲ Back to top

Can I enroll in both WAEPA and Federal Employees Group Life Insurance (FEGLI)?

Absolutely! Because WAEPA is a non-profit association, separate from the federal benefits plan, you can hold coverage with both WAEPA and FEGLI.

▲ Back to top

How do I Enroll?

Enrollment is easy!  Simply click here to complete a WAEPA membership form and Guaranteed Life Insurance form.

▲ Back to top