GROUP TERM LIFE INSURANCE
Get a Decision on Coverage in 30 Minutes or Less
WAEPA offers current and former Civilian Federal Employees up to $1.5 million in Group Term Life Insurance, with typically no medical exams.
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.
COVERAGE DESIGNED FOR FEDS & Their Families
Understanding 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.
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 if:
- You have a significant other, children, or family members to protect financially.
- You’re worried about your future health.
- You have 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 that you can secure in as little as 30 minutes
Determine if You’re Eligible
WAEPA coverage is available to current and former Civilian Federal Employees. This includes both 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.
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.
Higher Payout Amounts than FEGLI
You can apply for up to $1.5 million in coverage, regardless of your salary, typically with no medical exams, unlike FEGLI. We’re confident that you’ll be satisfied with this exclusive coverage to help protect your family.
WAEPA’s Coverage Options
Choose your own level of Group Term Life Insurance protection, regardless of salary. WAEPA offers coverage starting at $25,000 up to $1.5 million.
WAEPA offers optional add-on riders to help enhance your coverage, including a Chronic Illness Rider and Automatic Benefit Increase Rider.
Coverage You Can Count On
Benefits of Using WAEPA For Group Term Life Insurance
Life is complicated, life insurance shouldn’t be. With WAEPA, you can secure a policy in minutes and get back to life.
Exclusive Rates
Members switching from FEGLI to WAEPA typically save more than $300 a year**.
Portability
Keep your coverage if you retire or leave the Federal government.
No Salary Cap
WAEPA offers up to $1.5 million in coverage. FEGLI (Federal Employees’ Group Life Insurance Program) coverage is capped at 5x your Federal salary.
Speed
No waiting – get a decision within 30 minutes.
Typically No Lab Work Required
Answer health questions in your online application.
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
Two Ways to Secure Peace of Mind
Apply for up to $1.5 million in Group Term Life Insurance, often with no medical exam required
Many applicants receive a decision in minutes, often with no medical exam or blood test required. The application is fully online and can be completed in just a few steps.
For some applicants, additional review may be needed to complete the application. This process may include requesting more information, medical records, or a medical exam and typically takes 4–6 weeks.
Applicants who require additional review remain eligible for coverage, and our team will guide you through each step to help ensure your policy is set up correctly, helping protect your family for the long term.
Looking to determine exactly how much coverage will cost you?
Applying is Simple!
Once you determine the coverage amount for your needs, it’s simple application process to get approved for a WAEPA policy. Our straightforward process ensures you’re guided every step of the way.
Apply for Coverage
Complete your application online. Make sure you have important information available before you start: beneficiaries, Social Security Number, medical history, and payment info.
After Applying
Most applicants apply online and receive a decision in minutes, without any medical exam or blood test.
If additional review is needed, our underwriting team may request more information to complete your application. This process can take 4–6 weeks depending on the information required.
What Happens Next?
Applicants who receive an immediate decision will see their result at the end of the application process. If additional review is needed, we’ll notify you by email or mail once your application has been reviewed.
QUESTIONS?
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.
Give Us a Call
Our team is available at
(800) 368-3484
M-Th 8:30 a.m. – 6:30 p.m. ET
F 8:30 a.m. – 5 p.m. ET
WAEPA IS THE NAME FEDS HAVE TRUSTED SINCE 1943
Reliably Backed by New York Life Insurance Company
Extend Your Coverage with Policy Add-Ons
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.
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.
Your life insurance needs may look different in three, five, or 10 years. Adding an Automatic Benefit Increase Rider allows your coverage to increase by $25,000 every year, automatically, for up to 10 years. It’s a plan for tomorrow, today.
Disclaimers
WP-GTL-0426-29
*Group Term Life Insurance is not available in the following U.S. Territories: American Samoa, Northern Mariana Islands, U.S. Minor Outlying Islands, Micronesia, Marshall Islands, and Palau.
**Based on the average 45-year-old who switched from FEGLI to WAEPA, as of 1/1/2025
***New York and Utah residents are not currently eligible for QuickDecision.
****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