Become an Associate (Spouse) Member
Apply for up to $1.5 million in coverage on your own WAEPA policy.
You made a vow to your spouse, so here’s our vow to you: We’ll help protect your spouse in sickness and health with life insurance coverage. Becoming an Associate (Spouse) Member is a smart option for those seeking higher coverage amounts and benefits — apply for up to $1.5 million in Group Term Life benefits, and up to $6,500 in Short-Term Disability benefits.
Benefits of an Associate (Spouse) Membership
*Premium refunds are not guaranteed.
Is Associate (Spouse) Member Coverage Right for You?
Depending on your unique situation, an Associate (Spouse) Membership may be beneficial if you and your spouse don’t have children as dependents on your policy or if you’re younger than your spouse. See what scenario you identify with to learn if Associate (Spouse) Member coverage can best support your needs.
Scenario 1: Wendy is married to a Civilian Federal Employee who’s a WAEPA Member. Wendy and her spouse don’t have children, and Wendy is younger than her spouse. Wendy is eligible to join WAEPA as an Associate Member and get coverage based on her age rate. As such, Wendy’s coverage as an Associate (Spouse) Member costs less than her coverage as a dependent on her spouse’s plan, since dependent coverage would be billed at her spouse’s age.
Scenario 2: Kari is married to a Civilian Federal Employee who’s a WAEPA Member. Kari and her spouse don’t have children, but Kari is older than her spouse. As such, it would cost her more if she were covered on her own policy as an Associate Member. However, she still may choose to apply for an Associate Membership for up to $1.5 million, since dependent spouse coverage is limited to 50% of a WAEPA Member’s coverage amount.
Scenario 3: Rick is married to a Civilian Federal Employee who’s a WAEPA Member. Rick and his spouse have children. Since his spouse’s dependent coverage is under a group rate, and they pay the same amount to cover their dependent children and Rick, it wouldn’t cost less for Rick to become an Associate Member.
Questions? Call us at (800) 368-3484, 8:30am-5pm ET.
Frequently Asked Questions About Associate (Spouse) Membership
How much are my dependents covered?
Spouses can receive $10,000 to $500,000 of coverage and children can receive $1,000 to $25,000 of coverage.
What happens to my existing dependent coverage?
A person cannot be insured under more than one policy with WAEPA at any given time. If you convert your coverage to an Associate Member policy, you’ll no longer be insured as a dependent under your spouse’s policy. WAEPA will ensure that there’s no gap in your coverage during that transition.
Can I be denied coverage?
If you apply for more than you’re currently insured for as a dependent, it’s possible that your application for a separate policy could be denied during the underwriting process. If that’s the case, you’ll remain insured under the dependent coverage on your spouse’s policy.
What happens to the dependent coverage if we also have children?
If the dependent coverage you’re currently insured under also insures your children, the children will remain insured as dependents on the existing policy in the event that you begin separate coverage. However, since dependent coverage is priced at a group rate, it may not be as beneficial for you to become an Associate Member. We recommend comparing your current premiums to our rate chart to make sure this move benefits your family.
Can I change my mind after I submit the application?
Until your new policy goes into effect, you’ll remain insured as a dependent, so nothing about your existing coverage will change. If at any time during the process you decide to cancel the application, you may contact our Member Services team, and your coverage as a dependent won’t be impacted.
Submit the Application
Open the online Group Term Life Insurance application where you’ll be asked a few questions about your qualifications as a member before proceeding to the life insurance portion. View this helpful snapshot of how to complete the required information.
Complete Medical Underwriting
If you apply for more than you’re currently insured for as a dependent, our underwriter, New York Life Insurance Company, may ask you to complete a physical. If so, an ExamOne representative will reach out to help schedule a time and place and WAEPA will cover the cost.
Remit Your Initial Payment
If your application is approved, a WAEPA representative will get in touch with you to welcome you to WAEPA and to help you with setting up your initial payment. Once the payment is received, your new policy will take effect and you can enjoy all WAEPA has to offer.
Calculate Your Spouse Coverage
Complete each field to receive your total Associate Member coverage plus rates based on your ideal payment frequency. Call our Member Services team at (800) 368-3484 to talk through your personalized options.