Member Benefits

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Why WAEPA?

As a WAEPA policyholder, you can

Save money on your premium,

Get up to $1.5 million in coverage, and

Receive additional benefits to help your family and you prepare for the future.

When you purchase insurance with WAEPA you become a WAEPA policyholder. Our policyholders are our members and as a member, you get access to exclusive rates and benefits not available to the general public.

What Makes WAEPA Different

At WAEPA, we’ve been insuring the future of Civilian Federal Employees for 80 years through Group Term Life Insurance.

See why more than 50,000 Feds and their families choose WAEPA.

Compare WAEPA vs. FEGLI

Save on your premium

On average, members who switched from FEGLI to WAEPA save over $300 a year.

Higher maximum coverage

Eligible WAEPA members can qualify for up to $1.5 million in Group Term Life Insurance.

Coverage for your whole family

We offer an Associate (Spouse) membership and dependent coverage for children.

More than just life insurance

When you purchase life insurance with WAEPA you become a member of a non-profit association which gets you access to exclusive benefits such as a WAEPA Scholarship, Premium Refund Program*, and Free Financial Wellness program.

*Premium refunds not guaranteed.

Am I eligible to apply?

WAEPA membership is exclusively available to current or former Civilian Federal Employees, including non-appropriated fund (NAF) employees and U.S. Postal Service employees. Government contractors are not eligible.

Eligible Federal Agencies & Departments

Exclusive Member Programs

WAEPA membership is about more than just life insurance. Our goal is to support our members in all aspects of life. That’s why we offer member programs to help promote your health, wellness, and financial well-being.

Financial Wellness Program

We’ve partnered with Ernst & Young (EY) to provide free financial planning by connecting members with a team of financial planners.

Learn More

WAEPA Scholarship Program

We invest in your future and have awarded over $2 million in scholarships by providing 90 scholarships every year to the children of our members.

Learn More

Premium Refund Program

Although not guaranteed, since 1996, WAEPA members have received over $100 Million in premium refunds.

Learn More

Get Started

Whether you find yourself starting a new job, growing your family, or planning for retirement, applying for life insurance coverage with WAEPA is easy. When you’re ready, we’re here to help you find protection that fits with you and your family’s future.

Choose Your Coverage

Use our Coverage Calculator to determine the right amount of coverage for you and your family.

Apply for Coverage

Once you’ve determined your coverage amount, you can begin the application process where you’ll apply for coverage.

Apply Now

Become a Member

Once you become a WAEPA policyholder, you will have exclusive access to additional programs.

Explore Our Rates

Our rates are calculated based on a number of factors including age and coverage amount.

Learn More About Our Rates

Check out our calculators to determine your ideal coverage, premium, and savings compared to FEGLI.

Calculate Your Coverage

Get More With WAEPA

We provide resources to help you in all areas of your life. Our resources include retirement support, financial planning, federal benefits, college funding, and more.