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Guaranteed Issue Group Term Life Insurance

New Federal Employee Offer

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

Group Term Life Insurance from WAEPA is built to fit the unique needs of the Federal workforce.

Exclusive Rates

On average, members who switch from FEGLI save more than $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.

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:

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.

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


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

Submit a Request



1. Savings calculations based on the average member who switched, ages 40-44, from FEGLI to WAEPA in 2022.
*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.