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Help Protect the Future of Those You Love

See how affordable WAEPA sponsored Term Life Insurance can be.

Group Term Life Insurance for Federal Employees

When it comes to protecting those you love, few options are as dependable as life insurance. As a WAEPA member, you have access to exclusive coverage not available to the general public. Whether you’re looking for first time coverage or to supplement existing coverage, consider WAEPA Group Term Life Insurance underwritten by New York Life Insurance Company.

Your Coverage is portable.

Unlike insurance an employer provides, you won’t lose this coverage if you change jobs or retire. Life insurance coverage from WAEPA is yours to keep, even if you stop working for the federal government.

Take advantage of these benefits.

  • from $25,000 to $1.5 million in coverage for eligible members
  • affordable rates exclusively for WAEPA members
  • coverage for you, your spouse, and children
  •  living benefits can give you access to your benefits, if you become terminally ill
  • additional benefits for accidents
  • education benefits for your children
  • spouse retraining benefit
  • 30-day free look period to examine your policy
  • Must be under age 70 at the time of application; coverage is available until age 85.


Find your affordable rate here.

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  • Current 2018 Premium Calculator

  • 40 Years
  • $0
  • $0 Dependent coverage cannot exceed 50% of member coverage.
  • Total WAEPA Coverage:

    Total Bi-Weekly Premium:

    ▾ See Details
  • Coverage For You:
    Coverage For Your Spouse:
    (Dependent coverage for your children is based on your spouse's coverage)

    Member Premium:
    Dependent Premium:

WAEPA members have two ways to purchase life insurance coverage for family members.

Dependents can be added to your insurance policy.

Cover your eligible spouse and your dependent children under your own insurance certificate.

Dependent Children under the age of 19, or up to age 26 if they are unmarried, and primarily supported by you are eligible.

Coverage Amounts:

Spouse - $10,000 to $500,000 of coverage
Children - $1,000 to $25,000 of coverage

Chronic Illness Rider

An economical way to help protect yourself from the financial hardship a chronic illness may cause.

Dependents can join WAEPA – and get their own coverage.

Your eligible spouse can join WAEPA as an Associate Member...and apply for up to $1.5million in benefits, just like any other member of WAEPA.

Associate members must be age 18 or older, and less than age 70 at time of application, and must possess U.S. citizenship. Full-time members of the Armed Forces are not eligible for Associate Membership.

Coverage Amounts:

$25,000 to $1.5million of coverage

Join WAEPA Today!

Become a member with us and you and your family will start saving.


Can't find answers to your questions? Check out our FAQ page!

This rider is not intended to be a federally tax-qualified long-term care insurance contract under Internal Revenue Code (IRC) Section 7702B.  Therefore, the premiums payable for this rider do not qualify as long-term care insurance premiums and are not deductible from gross income for federal income tax purposes.  This rider, however, is subject to the federal per diem limits set forth in IRC 7702B.  Under this rider, New York Life will not pay clients more than the federal per diem limits.  If the benefit option elected exceeds the current IRC per diem limits, the benefit period will be extended accordingly.  Clients should consult with their tax advisors to determine the impact of accelerating more than the maximum per diem benefit under IRC 7702B.

Receipt of an accelerated death benefit may affect client eligibility for Medicaid or other government benefits or entitlements and may have income tax consequences. Accelerating benefits before applying for these programs, or while you are receiving government benefits, may affect your initial or continued eligibility. Clients can contact the appropriate social service agency (e.g., the Medicaid Unit of you local Department of Public Welfare or the Social Security Administration Office) for more information.


Underwritten By


New York Life Insurance Company

51 Madison Ave.
New York, NY 10010

NAIC #66915
On Policy Form GMR-FACE/G-30280-0

New York Life is domiciled in the state of New York and is licensed/authorized to transact business in all of the 50 United States, the District of Columbia, Puerto Rico and Canada.

Ready to Apply?

Not a WAEPA member? Join WAEPA and apply for life insurance at the same time.