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Higher Coverage for Spouses

With WAEPA, you have two options for spousal coverage – dependent coverage or an Associate Membership. Becoming an Associate Member is a smart option for you and your spouse if you’re seeking higher coverage amounts and benefits than dependent coverage.


Benefits of an Associate Membership

With your own WAEPA Associate Membership, you’ll have immediate access to a number of exclusive member benefits.

Lower Cost

Depending on your age, applying for an Associate Membership may cost less than being insured as a dependent. Use our calculator to determine your rates.

Higher Coverage Amounts

With an Associate Membership you can apply for up to $1.5 million in Group Term Life Insurance. This is higher than the dependent spouse coverage limit of $500,000. You’re also eligible to apply for Group Short-Term Disability Insurance.

Additional Benefits

Becoming an Associate WAEPA member gives you easy access to unique and useful member benefits, including premium refunds*, free financial planning, and much more.

Frequently Asked Questions

Why apply for an Associate Membership?

As an Associate Member your spouse can apply for up to $1.5 million in Group Term Life benefits, and up to $6,500 in Short-Term Disability benefits which provides more coverage than dependent coverage.

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.

Simple Enrollment

Once you determine the coverage amount for your needs, it’s simple application process to get approved for a WAEPA policy.

Submit the Application

If you are ready to apply for an Associate Membership, you’ll be asked a few questions about your qualifications as a member. View this helpful snapshot of how to complete the required information.

Complete Medical Underwriting

Applicants under 50 years old, who are applying for up to $1 million, may qualify for Quick Decision and receive a decision in minutes. The standard application process can take 4-6 weeks.

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.



*Premium refunds are not guaranteed.