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Get Coverage in 30 Minutes or Less

No medical exams or blood tests for applicants under age 50, applying for up to $1M in life insurance coverage or ages 50-59 applying for up to $500,000. Apply online and get a decision in less than 30 minutes with QuickDecision Group Term Life Insurance.

Save Time and Money with WAEPA

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 using QuickDecision** 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.

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 more than $300 a year.

What is QuickDecision?

QuickDecision is an automated underwriting process that allows prospective applicants to receive a decision in minutes. This process is available to applicants under age 50 applying for up to $1M in life insurance and applicants under age 60 applying for up to $500,000.

Key Benefits

Life is complicated, life insurance shouldn’t be. With QuickDecision, 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.


No waiting – get a decision within 30 minutes.


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

No Lab Work Required

Answer health questions in your online application.

Get More Coverage For Less

Choose the coverage amount that works for you.

• Under age 50: up to $1M

• Under age 60: up to $500,000

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

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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.

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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.



*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.