Guaranteed Issue Group Term Life Insurance

Civilian Federal Employees count on WAEPA for federal life insurance policy options that work. We were founded in 1943 For Feds, By Feds, and offer Group Term Life Insurance 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. There are no medical requirements. To be eligible, Civilian Federal Employees 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, 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 (AD&D) to 20 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

You may apply to increase your coverage amount on a medically underwritten basis. Spouses and dependent children may be covered. 

WAEPA's coverage serves as an economical alternative or supplement to FEGLI. Use our rate comparison calculator to see how much you could save.

Get Started Today With WAEPA

Our quick and easy online application keeps things simple. Click here to get started. Consult our member rate chart below to find out more about your potential savings. If you have questions regarding eligibility for our Open Enrollment program, please contact a Member Services Rep at (888) 353-1308.

Underwritten by

New York Life Logo

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.