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New Federal Employee
Guaranteed Issue Group Term Life

Exclusive Offer for New Federal Employees
Apply Now

Exclusive offer for new Federal Employees — receive up to $100,000 in coverage with WAEPA’s Guaranteed Issue Group Term Life Insurance, when you apply within your first year of hire.

Key Benefits

Increased assets icon

Exclusive Rates

On average, members who switch from FEGLI save $3001 a year.

No Lab Work Required

Guaranteed coverage without the hassle of medical exams.


Keep your coverage even if you leave
Federal service, change jobs, or retire.

Guaranteed Issue for Federal Employees with WAEPA

New Federal Hire Guaranteed Issue

When you apply for Guaranteed Issue Group Term Life Insurance coverage through WAEPA, you cannot be declined and no medical exams are required. To be eligible, Civilian Federal Employees must:

  • Be a United States citizen
  • Be less than 70 years of age
  • Apply within one year of a first-time, non-military, government hire

Those who meet our membership conditions qualify for $25,000 to $100,000 in life insurance coverage. You aren’t eligible for coverage if you moved from one federal government position to another or if you’re an active member of the United States military.

Ready to Get Started?

Take the next step and get up to $100k in coverage without any medical underwriting.

Apply Today

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.

How Much Coverage Do You Need?

Enter your age, select coverage amount desired, and payment frequency to calculate your premium cost. If you require higher coverage amounts in the future, you may apply to increase your coverage on a medically underwritten basis. Reach out to our Member Services team at (800) 368-3484 to talk through your personalized options.

Additional Questions?

Visit our Guaranteed Issue Coverage FAQs or contact a representative of our Member Services Team using one of the options below.

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.


  1. Savings calculations based on the average member who switched, ages 40-44, from FEGLI to WAEPA in 2021.

*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.