Jump to main content

Associate Membership or Dependent Coverage?

Life Insurance

Register to Unlock Premium Content

"*" indicates required fields

2 min Category: Life Insurance

Married couples need to evaluate all their options when deciding what life insurance to purchase. WAEPA offers two different options for spousal coverage: Associate Membership and Dependent Coverage. Here are a few details to keep in mind when deciding which of these options will best protect your family’s financial future.


Use our Premium Calculator to determine whether applying for an Associate Membership will cost less than dependent coverage, The cost of dependent coverage is based on your partner’s age, so you will be billed at the same rate as your spouse (the current WAEPA member). This is important to consider if you have a large age gap, so your rates may vary.

Coverage Amounts

For Dependent Coverage, spouses are eligible for $10,000 to $500,000 of coverage while children are eligible for $1,000 to $25,000 of coverage. You are limited to 50% of the member’s coverage, and the dependent coverage premium is billed at a group rate. No matter how many dependents are listed, one rate covers all. For Associate Memberships, spouses can apply for up to $1.5 million in coverage just like their partner, but only one of you will be able to cover dependent children.

Additional Benefits

When applying for Associate Membership, you will be eligible for all the same benefits as your spouse. This includes the ability to add a Chronic Illness Rider to your plan and apply for Group Short-Term Disability coverage. You also become eligible for premium refunds, free financial planning, and more.

The Benefits of Dependent Coverage

Dependent Coverage is beneficial when the WAEPA member is younger than their spouse, because it allows you to receive coverage at a lower rate. In addition, the premium rates to cover your spouse would be the same as the rates to cover your children.

The Benefits of Associate Membership

Associate Membership allows you to apply for almost double the coverage. If your spouse (the current WAEPA member) is significantly older than you, applying for a separate policy can provide more coverage at a lower price. It is also a good option to consider if you don’t have any dependent children.

Join WAEPA today

WAEPA’s got you covered regardless of which option you choose, and our online calculators will help you determine your coverage and rates. Visit waepa.org and read our FAQs if you have any questions. If you want to speak with our Members Services team, call (800) 368 3484 or email us at info@waepa.org. After more than 75 years, WAEPA is the life insurance choice of over 46,000 Civilian Feds and their families. Apply today!

Signup for WAEPA Newsletter

"*" indicates required fields

This field is for validation purposes and should be left unchanged.