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Life Insurance Coverage in 30 Minutes

Help Protect Your Family’s Future

Apply for Quick Decision Group Term Life Insurance.

Check Your Price

No medical exams or blood tests for applicants under age 50, applying for up to $1M in life insurance coverage. Apply online and get a decision in less than 30 minutes with Quick Decision Group Term Life Insurance.

Save Time and Money with WAEPA

What are WAEPA’s Life Insurance options?

WAEPA offers Group Term Life* insurance to current and former Civilian Federal Employees using Quick Decision** underwriting and traditional underwriting methods. Guaranteed Issue Group Term Life insurance coverage without underwriting is also available to new Civilian Federal Employees—within the first year of service.

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How Are WAEPA’s Rates?

We’ve designed our rates to be attractive and exclusively priced compared to FEGLI. On average, members who switched from FEGLI to WAEPA save over $300 a year.

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.

Quick Decision Group Term Life Insurance for Feds

What is Quick Decision?

Quick Decision is an automated underwriting process that allows prospective members under age 50 to apply for up to $1M in life insurance designed to reach a decision in minutes.

Key Benefits

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Exclusive Rates

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

Quick Decision Group Term Life Insurance for Feds


No waiting – get a decision within 30 minutes.

No Lab Work Required

Answer health questions in your online application.

Up to $1 Million in Coverage

Choose the coverage amount that works for you.


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


WAEPA coverage is available to current or former Civilian Federal Employees, including non-appropriated fund (NAF) employees and U.S. Postal Service employees under the age of 70.

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 10/18/2022.

Calculate Your Rate

The rates shown are your premiums (as of the age of your approval). Find your current rate for any coverage amount up to $1.5 million. Not sure how much coverage you should consider? Use our Coverage Calculator to help calculate your needs.

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 am – 6:30 pm or Friday 8:30 am – 5 pm ET.

Submit a Request

Fill out our contact us form with your request and we’ll get back to you.

Frequently Asked Questions

How much life insurance should I consider?

Financial advisors recommend having enough life insurance to cover ten times your salary, but individual life insurance needs differ based on your family’s overall financial wellness plan. The best thing to do is think about your current expenses, your plans for your family’s future, and what might happen if you were to die unexpectedly.

What is Quick Decision?

Quick Decision is an automated underwriting process that allows prospective members under age 50 to apply for up to $1M in life insurance designed to reach a decision in minutes.

How is Quick Decision different than a standard underwriting process?

The standard underwriting process takes an average of about 30 days before a prospective member can be approved for any amount of life insurance and can include medical exams. Quick Decision is an automated underwriting process designed to reach a decision on your application in as little as 30 minutes.

How do I apply for Quick Decision?

You don’t have to apply for Quick Decision. All eligible prospective members will be automatically sent through the Quick Decision process.

What if I’m not eligible for Quick Decision?

Prospective members over the age of eligibility or applying for more than $1M in life insurance coverage are still eligible for Group Term Life Insurance with standard underwriting.

What are the possible Quick Decision answers?

Possible answers include: approved for coverage, declined for coverage, or referred for more information. If you receive a referral, a representative will contact you to verify your medical details to process your application. Details about your request will be sent once this is completed.


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.