WAEPA vs. FEGLI Guide

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For most individuals, including Federal employees, life insurance is key to a sound financial plan. Many Feds own life insurance through Federal Employees Group Life Insurance (FEGLI) and the Federal government. However, Civilian Federal Employees should explore other life insurance choices to ensure that their needs are met. This WAEPA vs. FEGLI guide assists Feds in directly comparing coverage options.

What You’ll Find in this Guide

Why most Federal employees may need life insurance during some point of their Federal service
Life insurance considerations and choices for Federal employees
The Federal Employees Group Life Insurance Program (FEGLI)
The Worldwide Assurance for Employees of Public Agencies (WAEPA) life insurance program
Applying and qualifying for FEGLI and WAEPA
FEGLI and WAEPA life insurance options for Federal retirees
Other product features
Avoiding common mistakes when purchasing and owning life insurance policies

guide

Group Term Life Insurance

Up to $1.5 million in temporary protection for current and former Feds. Fully portable, this coverage goes where you go.

QuickDecision Group Term Life Insurance

With QuickDecision underwriting, eligible applicants can apply online and receive a coverage decision in 30 minutes or less.

Group Short-Term Disability Insurance

Up to $6,500 in monthly paycheck protection for up to six months if you’re unable to work due to a covered illness or injury.

Guaranteed Issue Group Term Life Insurance

New Federal employees can receive up to $100,000 in guaranteed coverage when they apply within their first year without medical exams.

Chronic Illness Rider

A living benefit that can be added to a Group Term Life Insurance policy and offers support if you become permanently chronically ill.

Automatic Benefit Increase Rider

An optional add-on to Group Term Life Insurance that gradually increases your coverage to stay aligned with your changing needs.

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