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WAEPA vs. FEGLI:
Why 46,000+ Feds Chose WAEPA

Why Choose WAEPA over FEGLI?

WAEPA provides higher maximum coverage amounts and can often save you money compared to FEGLI.

Compare WAEPA vs. FEGLI

FeatureWAEPAFEGLI
Maximum Coverage$1,500,000Based on annual salary
Maximum Spouse Coverage$500,000$25,000
Maximum Children’s Benefits$25,000$12,500
Scholarship ProgramX
Premium Refund Program*X
Additional Accident Benefits
Common Carrier BenefitX
We aim to provide a complete and accurate comparison to FEGLI. For exact information please contact FEGLI directly. *Premium refunds are not guaranteed.

Last year, the average member who switched from FEGLI to WAEPA saved an average of $375.
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How much could I save?

It depends on the coverage amount you’re looking for, your salary, and your age. Unlike FEGLI, WAEPA’s coverage amounts are not capped by your salary.

Read a Members’ Story

Can I get double the coverage?

Yes! Most Feds are eligible for both programs — and you can even hold coverage from both simultaneously.

Calculate Your Coverage

See if WAEPA is Right for You

As a Fed looking for life insurance coverage, the two primary options you have are WAEPA and FEGLI. It’s important to understand both options to make the right choice for you and your family.

Can I keep my coverage if I leave Federal Service?

Yes! WAEPA’s coverage is portable. It can go with you when you leave the Federal government.

As a WAEPA member

  • You can keep coverage if you leave your federal employer
  • No matter what the reason, you can take it with you

With FEGLI, you must remain insured for five consecutive years prior to retirement to continue coverage.

What’s my maximum coverage?

WAEPA provides up to $1.5 million in coverage

FEGLI’s coverage amount varies based on your Federal salary and is capped at 5x your salary.

Can I get coverage for my whole family?

Yes! WAEPA provides spouse and dependent coverage. We also provide an associate (spouse) membership with additional maximums and benefits.

WAEPA offers:

  • Associate (spouse) membership eligible for up to $1.5 million in Group Term Life benefits and $6,500 in Short-Term Disability benefits
  • Dependent spouse plan eligibility up to $500,000 in coverage
  • Dependent children plan eligible for up to $25,000 in coverage

With FEGLI, Dependent spouses are only eligible for up to $25,000 in coverage and $12,500 in children’s benefits.

What additional benefits do I get if I become a WAEPA member?

There’s a lot of great benefits to being a member – great coverage, exclusive rates, and access to our member programs:

·      Scholarship Program

·      Pre-retirement Support

Calculate Your Rate

Complete each field to learn about the premium cost differences between WAEPA and FEGLI for every $1,000 of coverage you purchase. Reach out to our Member Services team at (800) 368-3484 to talk through your personalized options.