Life Insurance for USPS Employees
Get a Decision in Minutes! For applicants under age 50, apply online and get a decision in less than 30 minutes.
Are you a civilian employee of United States Postal Service under the age of 70? If so, you may qualify for Group Term Life Insurance and other benefits from WAEPA. When considering the ideal Group Term Life Insurance for USPS employees, you have options. Since World War II, WAEPA has helped federal civilian employees access the top FEGLI alternative benefits package. At most age bands, our members’ premiums rates are lower than FEGLI.
WAEPA (Worldwide Assurance for Employees of Public Agencies, Inc.) is a nonprofit organization that was originally established in 1943. Since 1973, WAEPA has provided Group Term Life Insurance and a variety of other valuable services to all civilians within the U.S. federal government.
Explore Our Products
Whether you’re starting a new job, growing your family, or planning for retirement, see why Feds choose WAEPA to be there for life’s biggest moments.
Group Term Life Insurance
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.
Group Short-Term Disability Insurance
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
Qualifying federal employees, including USPS employees, cannot be turned down coverage for up to $100,000 within their first year of hire. If you qualify for this offer, you do not need to submit medical documentation or other complex paperwork to access your benefits.
Ready to Help Protect Your Family’s Future?
Resources for USPS Employees
With WAEPA, you get more than life insurance. We offer helpful tools, resources, and free financial planning.
Compare Coverage to FEGLI
On average, members who switched from FEGLI to WAEPA save over $300 a year. See how our portable coverage stacks up to your existing policy with FEGLI.
Life Insurance Needs Analysis
Evaluate how much coverage you may need based on any updates in your life.
Helpful Resources for Feds
Learn about life insurance the easy way with blog posts, webinars, guides, and more catered to Feds and their needs.
WAEPA IS THE NAME FEDS HAVE TRUSTED SINCE 1943
Reliably Backed by New York Life Insurance Company
QUESTIONS?
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
M-Thu 8:30 a.m. – 6:30 p.m.
F 8:30 a.m. – 5 p.m. ET
Disclaimers
Underwritten by New York Life Insurance Company, 51 Madison Ave., New York, NY 10010 on Policy Form GMR-FACE/G-30280-0, Policy form GMR-FACE/G-30281-0.
*Group Term Life Insurance is not available in the following U.S. Territories: American Samoa, Northern Mariana Islands, U.S. Minor Outlying Islands, Micronesia, Marshall Islands, and Palau.
**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.
***New York and Utah residents are not currently eligible for QuickDecision.
****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.