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Exclusive Coverage for Feds and Their Families

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 if:

And with WAEPA you can:

Product Benefits

Exclusive Rates

Members switching from FEGLI to WAEPA typically save more than $300 a year.


Keep your coverage if you retire or leave the Federal government.

No Salary Cap

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

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


QuickDecision** is an automated underwriting process that allows eligible prospective applicants to receive a decision in minutes. The standard underwriting process can take over 30 days, but with Quick Decision there is no medical exam, lab work, or doctor’s visit required.

  • Applicants under age 50, applying for up to $1,000,000.
  • Applicants ages 50-59, applying for up to $500,000.

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. 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 $1 million, as well as applicants under age 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 QuickDecision, 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

Give Us a Call

Submit a Request

*Third Party Rating Reports as of 11/17/2023.

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.

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.

Automatic Benefit Increase Rider

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.



*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.
**New York 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.