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Automatic Benefit Increase Rider

Enhance Your Coverage with an ABI Rider
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WAEPA offers an Automatic Benefit Increase Rider (ABI) as an optional rider to a Group Term Life Insurance policy. When added, this rider helps to keep your coverage aligned with your growing life insurance needs.

Benefits of ABI

Automatic Coverage Growth

This rider, when added to a Group Term Life Insurance policy, increases your Group Term Life Insurance coverage amount by $25,000 annually, for up to 10 years, with no additional medical underwriting required.

Coverage that Keeps Up

Your life insurance needs may look different than 5, 10, or even 20 years. With a family, a house, and medical issues possibly on the horizon, this coverage helps adapt to your evolving needs.

How the ABI Works


Select the Automatic Benefit Increase Rider option when completing your application for Group Term Life Insurance coverage.

Annual Coverage Increases

The Automatic Benefit Increase Rider will increase your Group Term Life Insurance coverage amount by $25,000 every year for up to 10 years, up to a maximum of $250,000 in additional protection.


You can elect to stop automatic increases in any year. To restart annual increases, eligible insureds can reapply for additional increases in coverage with a new application on a medically underwritten basis.

Why Should I Add an ABI Rider?

Financial Security

Taking advantage of this rider, allows your coverage to help stay aligned with your changing financial landscape and factors such as inflation and rising costs of living.

Protect Your Loved Ones

If you’re planning to get married, have a family, or buy a house, your life insurance needs may look different down the line. This rider helps to ensure that your loved ones can be protected, offering you peace of mind in an uncertain world.


Eligible current and former Civilian Federal Employees can add an Automatic Benefit Increase Rider to a new Group Term Life Insurance application. To be eligible to add this rider, you must meet the following criteria:

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Be a current, former, or retired Civilian Federal Employee.
Be under age 50 (ages 18-49).
Apply for a minimum face value of $100,000 in coverage.


Here’s a look at how protection would increase for a 35-year-old, applying for $100,000 in initial coverage. Use our rates calculator to see how your rates will change as your premiums increase over time.

Bar graph illustrating how Automatic Benefit Increase Rider works by showing coverage and premium amounts for 10 years.
Make a Plan For Your Tomorrow… Today
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Underwritten by New York Life Insurance Company, 51 Madison Ave., New York, NY 10010 on Policy Form GMR-FACE/G-30280-0
*Group Term Life Insurance is not available in the following US Territories: American Samoa, Northern Mariana Islands, U.S. Minor Outlying Islands, Micronesia, Marshall Islands, and Palau.
**Louisiana residents please contact WAEPA Member Services at (800) 368-3484 for more information on applying for coverage.
***Michigan Residents: I understand that I may use a producer/agent to assist me with the completion of this application at no cost to me.