Guaranteed Issue Group Term Life Insurance

Civilian federal government employees look to Worldwide Assurance for Employees of Public Agencies (WAEPA) for federal life insurance policy options that work. Founded in 1943 by and for federal employees, we offer Group Term Life Insurance to members underwritten by New York Life Insurance Company, a leading brand.

Guaranteed Issue for Federal Employees with WAEPA

When you apply for guaranteed issue Group Term Life Insurance coverage through WAEPA, you cannot be declined or turned down. There are no medical requirements, and most civilian federal government employees are eligible. To receive your coverage, you must:

  • Be a United States citizen;
  • Be less than 70 years of age;
  • Apply within one year of a first-time, non-military, government hire.

Those who meet our membership conditions qualify for $25,000 to $100,000 in life insurance coverage. You are not eligible if you moved from one federal government position to another or if you are an active member of the United States military.

Simple Enrollment and Excellent Benefits with Guaranteed Issue

WAEPA Guaranteed Issue Group Term Life Insurance is designed especially for the needs of those serving with the federal government. Once you are approved, you maintain eligibility for our insurance even if you leave federal service.

Medical exams are not required with this WAEPA life insurance offer and you do not need to submit a physician’s report. You will be eligible to access benefits within a short time after enrolling. Life insurance benefits remain active in many situations that other insurance will not cover.

Your guaranteed issue life insurance comes with supplemental benefits for accidental death and dismemberment to 25 percent of your coverage amount. Death resulting from a travel accident on a “common carrier” (airline, bus, train, or ship) equals 40 percent of your coverage amount.

If You Need More Coverage, WAEPA Has Options for You

Although most members find $100,000 is sufficient coverage for their needs, you may apply to increase your coverage amount on a medically underwritten basis. Spouses and dependent children may be covered. 

WAEPA premiums are better than FEGLI premiums for most members and age categories. However, you may hold both WAEPA and FEGLI insurance simultaneously.

For other questions, see our FAQs.

Get Started Today With WAEPA

Our quick and easy online application keeps things simple. Consult our member rate chart below to find out more about your potential savings. If you’re ready to begin, click Apply Now below.

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.