Dedicated to Civilian Federal Employees since 1943

Dedicated to Civilian Federal Employees since 1943

Additional Protection for Your Loved Ones

Up to $1.5 million in life insurance is now available.

WAEPA costs less than FEGLI - up to 89% less - with coverage up to $1.5 million.

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Help Protect the Future of Those You Love

Up to $1.5 million in life insurance is now available.

WAEPA costs less than FEGLI - up to 89% less - with coverage up to $1.5 million.

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How Much Life Insurance Should I Consider?

Determine how much coverage you should consider to protect the ones you love most.

WAEPA vs. FEGLI Calculator

We've designed our rates to be attractive and competitively priced compared to FEGLI.

Premium Rate Calculator

Use this calculator to help determine how affordable coverage is with WAEPA.

See how much it costs: Member Rates

We've doubled the amount of life insurance available to members like you, up to $1.5 million.

Get More Coverage Than FEGLI... For Less.

WAEPA Group Term Life Insurance provides coverage at very competitive rates & offers some additional features not available with FEGLI.
  • WAEPA

  • $0
  • $0 Dependent coverage cannot exceed 50% of member coverage.
  • Total WAEPA Coverage:

    Total Bi-Weekly Premium:

  • Coverage For You:
    Coverage For Your Spouse:
    (Dependent coverage for your children is based on your spouse's coverage)

    Chronic Illness Coverage For You:
    Chronic Illness Coverage For Your Spouse:

    Member Premium:
    Dependent Premium:
  • Calculate Savings
  • FEGLI

  • 40 Years
  • $10,000
  • Total FEGLI Coverage:

    Total Bi-Weekly Premium:

  • Basic FEGLI Coverage:
    Extra Benefit:
    Option A Coverage:
    Option B Coverage:
    Option C (Spousal) Coverage:

Determine how much life insurance is right for you.

Calculate how much coverage you should consider to protect the ones you love most.
  • INCOME



  • TOTAL EXPENSES



  • Examples of debts include loans, credit cards, over-drafts, etc.


  • ASSETS

  • Examples of assets include banking/savings account(s), stocks, bonds, money-markets, paid-off real estate, etc.


  • Calculate Estimated Coverage
  • Disclaimer: The outcomes of this calculator are for illustrative purposes only.

We're Here to Help.

Monday - Friday 8:30am – 5pm (EST)

Add a valuable “living benefit” to your policy.
And get help paying the high cost of a chronic illness.*

Your WAEPA Group Term Life Insurance comes with a flexibility you may not find in other insurance plans. It gives you the option of adding a Chronic Illness Rider to your policy ... and helping to protect yourself from the financial hardship that often accompanies a serious illness.

For an additional charge, this rider gives you the ability to access up to 50% of your life insurance benefits, to a maximum of $500,000, if you become permanently chronically ill.
Learn More

* Chronic illness means the permanent inability to perform 2 out of 6 activities of daily living (bathing, continence, dressing, eating, toileting and transferring); or a permanent severe cognitive impairment requiring substantial supervision.

**The following states are not eligible for CIR: CT, ID, LA, MN, MT, NC, NY, OH, SD, UT, WA

Ready to Apply?

Not a WAEPA member? Apply now and start enjoying the benefits.