Life Insurance for Department of Defense Employees
For applicants under age 50, apply online and get a decision in less than 30 minutes!
Since 1943, Worldwide Assurance for Employees of Public Agencies (WAEPA) has provided group term life insurance, retirement planning, and financial services as benefits to employees of the federal government, including Department of Defense civilian personnel. DOD employees throughout the military, including the Army, National Guard, Navy, Marines, and Air Force, may qualify for services under WAEPA. Active-duty military service members do not qualify, but may be eligible after transition to a DOD civilian role.
WAEPA is proud to offer life insurance plans for new Department of Defense employees that give you the reliability and flexibility you truly need. Compared to FEGLI, WAEPA provides lower costs and premiums for members across several age groups.
Explore Our Products
Provides up to $1.5 million in coverage for eligible members, which will not be lost if you change jobs or retire – even after leaving the federal government. An eligible member’s coverage also extends to spouse and children.
WAEPA Group Short-Term Disability Insurance**, can cover up to $6,500 a month to replace your lost income, if you’re out of work due to a covered illness or injury.
Guaranteed Issue Life Insurance means qualifying federal employees, including DOD civilians, cannot be turned down. No medical underwriting required.
Resources for DOD Employees
Reliably Backed by New York Life Insurance Company
We’ve worked with New York Life Insurance Company to develop our exclusive protection for our members — and with good reason. For more than 175 years, American families have trusted New York Life to protect the financial future of those they love. It’s a company you can rely on. New York Life has received the highest financial strength ratings currently awarded to any U.S. life insurer*.
A++
A.M Best
AAA
Fitch Ratings
Aaa
Moody’s Investors Service
AA+
Standard & Poor’s
*Third Party Rating Reports as of 10/18/2022.
Calculate Your Rate
The rates shown are your premiums (as of the age of your approval). Find your current rate for any coverage amount up to $1.5 million. Not sure how much coverage you should consider? Use our Coverage Calculator to help calculate your needs.
We’re Here to Help
If you’re unsure of your coverage needs or need help with the application process, our dedicated team of specialists is available to help you.
Give Us a Call
Our team is available at (800) 368-3484, Monday through Thursday 8:30 am – 6:30 pm or Friday 8:30 am – 5 pm ET.
Submit a Request
Fill out our contact us form with your request and we’ll get back to you.
Underwritten by New York Life Insurance Company, 51 Madison Ave., New York, NY 10010 on Policy Form GMR-FACE/G-30280-0
*Group Term Life Insurance is not available in the following US Territories: American Samoa, Northern Mariana Islands, U.S. Minor Outlying Islands, Micronesia, Marshall Islands, and Palau.
**Louisiana residents please contact WAEPA Member Services at (800) 368-3484 for more information on applying for coverage.
***Michigan Residents: I understand that I may use a producer/agent to assist me with the completion of this application at no cost to me.
Underwritten by New York Life Insurance Company, 51 Madison Ave., New York, NY 10010 on Policy form GMR-FACE/G-30281-0
*Benefits cannot exceed 60% of your average monthly income when combined with all other income benefits you receive from any other source. See other income benefits provision for more details. Consult a tax advisor for details around tax free disability benefits.
**STDI is not currently available in: NV, OR, NH, VT, all US Territories including Puerto Rico, Guam, US Virgin Islands, etc.
***Louisiana residents please contact WAEPA Member Services at (800) 368-3484 for more information on applying for coverage.
****Michigan Residents: I understand that I may use a producer/agent to assist me with the completion of this application at no cost to me.
