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Group Term Life Insurance

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Quick Decision greatly speeds up the underwriting process for eligible applications.

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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 and former 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 across the entire group of you and your colleagues rather than for individuals, so our rates are exclusively priced.

Is Group Term Life Insurance right for you?

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

Purchasing life Insurance with WAEPA may be 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 and former 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 Current and Former Civilian Federal Employees

Our life insurance coverage is available exclusively to eligible Civilian Federal Employees, both current and former. 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

You’ll have 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.

Exclusive Product Benefits

Exclusive 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.

No Salary Cap

WAEPA offers up to $1.5 million in coverage. FEGLI’s coverage is capped at 5x your Federal salary.

How Much Coverage Should I Consider?

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 how much coverage will cost you?
Calculate your Coverage

Quick Decision Group Term Life Insurance for Feds

Quick Decision

QuickDecision** is an automated underwriting process that allows applicants under age 50 applying for up to $1M in life insurance, as well as applicants under age 60 applying for up to $500,000 to receive a decision in minutes. The standard underwriting process can take over 30 days, but with QuickDecision there is typically no medical exam, lab work, or doctor’s visit required. Have questions? Visit Quick Decision FAQs.

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

Applicants under 50 years old, who are applying for up to $1M, as well as applicants under 60, applying for up to $500,000, may qualify for QuickDecision and receive a decision in minutes. The standard application process can take 4-6 weeks.


Applicants who qualify for Quick Decision, may receive an answer at the end of the application process. Applicants going through the standard process will be notified by email if approved or by mail if not approved.

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 a.m. – 6:30 p.m. or Friday 8:30 a.m. – 5 p.m. 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 Insurance Company

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 received the highest financial strength ratings currently awarded to any U.S. life insurer*. 


A.M Best


Fitch Ratings


Moody’s Investors Service


Standard & Poor’s

*Third Party Rating Reports as of 10/19/2023.

Extend Your Coverage with Policy Add-Ons

Illustration of a heart.
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 accelerate to 50% of your benefit amount (with a maximum of $500,000) if you become permanently chronically ill.

Group Short-Term Disability Income Insurance

Many federal employees are surprised to learn their work benefits don’t include short-term disability coverage. With WAEPA Short-Term Disability Income Insurance, you can be covered up to $6,500 a month to replace your lost income if you’re out of work due to a covered illness or injury.

Icon of a family with a heart in the center.
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.


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.
**New York residents are not currently eligible for Quick Decision.
***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.