Become an Associate Member of WAEPA Today!

Apply for up to $1.5 Million in coverage on your own WAEPA policy.

The benefits of becoming an Associate Member

Although you’re already insured with WAEPA, there are benefits to joining WAEPA as an Associate Member. Having your own policy could give you access to:


Lower Rates

Our online rate chart can help you determine if applying as an Associate Member would cost less than being insured as a dependent.

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Higher Coverage Amounts

Apply for more coverage without a dependent benefit limit based on your spouse's coverage amount. You can apply for coverage in increments of $25,000 up to $1.5 million.


Additional Benefits

Becoming a WAEPA member gives you access to member benefits, including premium refunds, free financial planning, and more.

Are you currently covered as a dependent? Is Associate Member coverage right for you?

Depending on your unique situation, an Associate Membership may be beneficial if:

  • You and your spouse do not have children as dependents on your policy
  • You’re younger than your spouse

For example:

Wendy is married to a Civilian Federal Employee who is a WAEPA Member. Wendy and her spouse do not have children, and Wendy is younger than her spouse. Wendy is eligible to join WAEPA as an Associate Member and get coverage based on her age rate. As such, Wendy’s coverage as an Associate Member costs less than her coverage as a dependent on her spouse’s plan.


Rick is married to a Civilian Federal Employee who is a WAEPA Member. Rick and his spouse have children. Since his spouse’s dependent coverage is under a group rate, and they pay the same amount to cover their dependent children and Rick, it would not cost less for Rick to become an Associate Member.


Kari is married to a Civilian Federal Employee who is a WAEPA Member. Kari and her spouse do not have children, but Kari is older than her spouse. As such, her rates would be higher if she were covered on her own policy as an Associate Member. She still may choose to apply for an Associate Membership, however, so that she can get her own coverage not capped by her spouse’s face amount.


Questions? Call us at (800) 368-3484 between 8:30am-5pm ET.

Frequently Asked Questions about Associate Membership

What happens to my existing dependent coverage?

A person cannot be insured under more than one policy with WAEPA at any given time.  If you convert your coverage to an Associate Member policy, you will no longer be insured as a dependent under your spouse’s policy.  WAEPA will ensure that there is no gap in your coverage during that transition.

Can I be denied coverage?

If you apply for more than you are currently insured for as a dependent, it is possible that your application for a separate policy could be denied during the underwriting process. If that is the case, you will remain insured under the dependent coverage on your spouse’s policy.

What happens to the dependent coverage if we also have children?

If the dependent coverage you are currently insured under also insures your children, the children will remain insured as dependents on the existing policy in the event that you begin separate coverage. Since dependent coverage is priced at a group rate, however, it may not be as beneficial for you to become an Associate Member. We recommend comparing your current premiums to our rate chart to make sure this move benefits your family.

Can I change my mind after I submit the application?

Until your new policy goes into effect, you will remain insured as a dependent, so nothing about your existing coverage will change. If at any time during the process you decide to cancel the application, you may contact our Member Services team, and your coverage as a dependent will not be impacted.

Simple Enrollment and Excellent Benefits

Step 1: Submit the Application

The first step to starting your own policy with WAEPA is to complete our online Group Term Life Insurance application.  First you will be asked a few questions about your qualifications as a member before proceeding to the life insurance portion. Before you apply, please familiarize yourself with the correct way to complete the required information. Click here for a quick snapshot of the directions.

Step 2: Complete Medical Underwriting

If you choose to apply for more than you are currently insured for as a dependent, our underwriter, New York Life Insurance Company, may ask you to complete a physical. If so, a representative from ExamOne will reach out to you to help schedule a time and place, which can be at one of their several hundred locations or at your home. WAEPA will take care of the cost if an exam is required.

Step 3: Remit Your Initial Payment

If you are approved, a WAEPA representative will notify you of the approval and request your initial payment.  Once the payment is received, your new policy will take effect.




Ready to Apply?

Apply now and start enjoying the benefits.