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Group Term Life Insurance for Federal Employees

Group Term Life Insurance* is a smart option to plan for your financial future. WAEPA can help protect you and your loved ones for years to come.

Understanding Group Term Life Insurance

What is Group Term Life Insurance?

Group Term Life Insurance is a type of life insurance where one contract covers multiple people or a group of people. This allows for group rates for each policy issued under a single contract.

What are WAEPA’s Life Insurance options?

WAEPA offers Group Term Life insurance to current & retired Civilian Federal Employees as its primary life insurance option and Guaranteed Issue Group Term Life to new Civilian Federal Employees—within the first year of service.

WAEPA’s rates are calculated for the group rather than for individuals, so our rates cost less compared to what you would pay for an individual life insurance policy.

Is Group Term Life Insurance right for you?

Life insurance is one of the most important ways to safeguard the future of your family. The right policy can help your family handle the financial realities they must face upon an untimely death.

Purchasing life Insurance with WAEPA is right for you when:
  • You have a significant other, children or family members to protect financially.
  • You’re worried about your future health
  • You have a considerable debt
  • You have assets to protect, such as a house or condo.
And with WAEPA you can:
  • Save money on your premiums
  • Get up to $1.5 million in coverage
  • Feel safe with reliable protection

Get a Quote

Determine if You’re Eligible

WAEPA coverage is available to current or retired Civilian Federal Employees, including non-appropriated fund (NAF) employees and U.S. Postal Service employees under the age of 70.

The WAEPA Difference

Exclusively for Civilian Federal Employees

Our life insurance coverage is available exclusively to eligible Civilian Federal Employees. You can apply for up to $1.5 million in coverage, regardless of your salary. We’re confident that you’ll be satisfied with your coverage.

Coverage You Can Count On

That’s why we offer 30-days to decide if the policy lives up to your expectations. If you’re not completely satisfied, simply return it, without claim, for a full refund of any premium paid.

Explore Additional WAEPA Member Benefits

Exclusive Product Benefits

Savings and Lower Rates

On average, members who switched from FEGLI to WAEPA save over $300 a year.

Portable Coverage

WAEPA’s coverage is portable. It can go with you when you leave the Federal government, switch jobs, or retire.

Living Benefits

Prepare for the uncertainty of future health by adding a Chronic Illness Rider to your policy.**

How much coverage do I need?

Coverage Considerations

Your coverage needs are unique to you and your family. To understand your needs, you should consider several factors including:

  • Your current and future expenses
  • Your financial role in your family
  • Your debt
  • Your family’s financial future

Read more about how to determine the life insurance amount that’s right for you.

Looking to determine exactly how much coverage will cost you?
Calculate your Coverage

Applying for Life Insurance

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

Apply for Coverage

Complete your application online, but make sure you have important information available before you start: beneficiaries, Social Security Number, medical history, and payment info.

After Applying

The full process can take 4-6 weeks. Once you submit your application, it will be forwarded to a New York Life Insurance underwriter who will review and determine if an exam and/or medical information is needed. ExamOne, will contact you if a medical exam is necessary.


Once the underwriter has reviewed your application, you will be notified by email if approved or by mail if not approved. The WAEPA Member Services Team may reach out by email or phone if more information is required.

Extend Your Coverage with Policy Add-Ons

Chronic Illness Rider

We can’t always predict the future, but we can protect it. Add a Chronic Illness Rider to your life insurance policy, and you’ll have the ability to collect up to 50% of your benefit amount (with a maximum of $500,000) if you become permanently chronically ill.**

Learn More about our Living Benefits

Coverage for Your Family

Eligible spouses of WAEPA members are welcome to apply as an Associate (Spouse) Member and can receive up to $1.5 million in coverage on their own policy. Spouses and children are also eligible for dependent coverage up to $500,000 and $25,000 respectively.

Explore our Family Plans

We’re Here to Help

If you’re unsure of your coverage needs or need help with the application process, our dedicated team of specialists is available to help you.

Contact Us
Give Us a Call

Our team is available at (800) 368-3484, Monday through Thursday 8:30 am – 6:30 pm or Friday 8:30 am – 5 pm ET.

Submit a Request

Fill out our contact us form with your request and we’ll get back to you.

Reliably Backed by New York Life

We’ve worked with New York Life Insurance Company to develop our exclusive protection for our members — and with good reason. For more than 175 years, American families have trusted New York Life to protect the financial future of those they love. It’s a company you can rely on. New York Life has earned the highest financial strength ratings* currently awarded to any life insurer for financial strength from all four major rating agencies: 


A.M Best


Fitch Ratings


Moody’s Investors Service


Standard & Poor’s

*Third Party Rating Reports as of 9/30/2021.


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.

**Chronic Illness Rider (CIR)

NOTE: The Chronic Illness Rider is not a standalone policy; it can only be added to an existing or new Group Term Life Insurance policy as a rider.

IMPORTANT NOTICE: This rider is not intended to be a federally tax-qualified long-term care insurance contract under Internal Revenue Code (IRC) Section 7702B. Therefore, the premiums payable for this rider do not qualify as long-term care insurance premiums and are not deductible from gross income for federal income tax purposes. This rider, however, is subject to the federal per diem limits set forth in IRC Section 7702B. Under this rider, New York Life will not pay claimants more than the federal per diem limits. Assuming the amount you receive in the aggregate from all applicable policies does not exceed the federal per diem limits set forth in IRC Section 7702B, the benefits provided by the Chronic Illness Rider are intended to be excludable from federal gross income under Section 101 (g) of the IRC. Receipt of an accelerated death benefit may affect eligibility for Medicaid or other government benefits or entitlements and may have income tax consequences. Accelerating benefits before applying for these programs, or while you are receiving government benefits, may affect your initial or continued eligibility. Clients can contact the appropriate social service agency (e.g., the Medicaid Unit of your local Department of Public Welfare or the Social Security Administration Office) for more information.

**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.”

***CIR is not currently available in: ID, LA, MN, NY, OH, UT, WA, all U.S. Territories.

****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.