FAQ: Guaranteed Issue Life Insurance


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How much Insurance can I get under Open Enrollment?

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

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Are Medical Exams Required?

No Medical Exam or Physician Reports are required.

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Are there any other benefits?

AD&D and Common Carrier:
The life insurance plan includes these benefits for accidental death and dismemberment. If death results from a accident while you are riding on a common carrier (such as an airline, bus, train, or ship) as a paying passenger, the benefit will be payable to your beneficiary.

Twenty percent (20%) of your coverage amount for Accidental Death and Dismemberment (AD&D), up to a maximum of $150,000. Forty percent (40%) of your coverage amount for a Travel Accident, up to a maximum of $300,000.

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

If you need more than $100,000 in coverage you can apply to increase your WAEPA coverage at any time (depending on your age). You can also apply for coverage for your dependent spouse and children.

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

Yes, you can enroll for both WAEPA and FEGLI at the same time.

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How do I Enroll?

Enrollment is easy. Here’s all you do:

  • Complete a WAEPA Membership Application and then complete a Guaranteed Issue Application. Click Here for the WAEPA membership form with a link to the Membership Application.

As a WAEPA member, you may be able to save on additional coverage amounts available to you. Find out more by going to this page – Member Life Rate Charts

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