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$100k Guaranteed Issue Group Term Life Insurance

Prioritize Your Peace of Mind

Get $100k in coverage without any medical underwriting. Offer expires November 8, 2020.

Apply Now

Insurance You Can Count On

WAEPA has been protecting the families of Civilian Federal Employees for more than 75 years. We are a non-profit associated created For Feds, By Feds, and our coverage is underwritten by New York Life Insurance Company. WAEPA is the life insurance choice of over 46,000 Feds and their families.

Coverage Qualifiers

When you apply for WAEPA Guaranteed Issue Group Term Life Insurance, you cannot be denied. There are no medical requirements and your approval for coverage is guaranteed. To be eligible, Civilian Federal Employees must meet the following criteria:

• Be a United States citizen;

• Be less than 50 years old;

• Be a new WAEPA member (existing members, spouses, and dependents are not eligible);

• Apply within 60-day period (offer expires 11/8/2020);

• Apply for $100k in coverage only (nothing more or less).

Three Easy Steps to Guaranteed Coverage


Guaranteed coverage without the hassle of medical exams.


Receive $100k in Guaranteed Group Term Life Insurance

You’re Approved!

Start enjoying peace of mind and WAEPA’s member benefits.

Simple Enrollment and Competitive Benefits with Guaranteed Issue

For Those Who Serve

WAEPA’s Guaranteed Issue Group Term Life Insurance is designed specifically to support the needs of Civilian Federal Employees and their families. Once you’re approved, coverage is fully portable should you decide to leave federal service or retire.

No Medical Exam Required

Medical exams aren’t required when applying for Guaranteed Issue coverage, and you don’t need to submit a physician’s report. You’ll be approved for coverage within a short time after applying. Life insurance benefits can help provide peace of mind for you and your family.

Supplemental Benefits

Receive supplemental benefits for accidental death and dismemberment (AD&D) to 20% of your coverage amount. Death resulting from a travel accident on a “common carrier” (airline, bus, train, or ship) equals 40% of your coverage amount.

$100,000 Guaranteed Issue Life Insurance Rates

Our Group Term Life Insurance premium rates are structured in 5-year age bands. Your rate will increase when you reach a new age band. Coverage automatically renews on an annual basis provided premiums are paid when due. Maximum amount of coverage begins to reduce at age 60; however premiums may not reduce.

If You Need More Coverage, WAEPA Has Options

You can apply at any time to increase your coverage amount on a medically underwritten basis. Spouses and dependent children may also be covered.

Ready to Get Started?

Take the next step and get $100k in coverage without any medical underwriting.

Apply Now

Additional Questions?

Visit our Guaranteed Issue Coverage FAQs or contact a representative of our Member Services Team at 800-368-3484, Monday through Thursday 8:30am–6:30pm or Friday 8:30am–5pm, ET.