WAEPAWorldwide Assurance for Employees of Public Agencies, Inc. (WAEPA) is a 501(C)(9) nonprofit organization, not an insurance company, committed to promoting the health, welfare, and financial well-being of Civilian Federal Employees.WAEPA was founded in 1943 and has been providing Group Term Life Insurance, exclusively to current and former Civilian Federal Employees since then.Today, WAEPA has a membership of more than 50,000 Feds and their families.
WAEPA (waepa.org) has 77 customer reviews on Five Star Index, with an average rating of 4.2 out of 5.
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77 approved reviews, newest moderated first
Sharon J.
I've had WAEPA life insurance for years. They are a trusted company with great communication. I've enjoyed the yearly premium refund. They are a very caring company and I always recommend WAEPA.
Response from WAEPADec 2, 2025
Hi Sharon, thank you for taking the time to leave a review! We appreciate your continued membership.
D W.
WAEPA is a great alternative to Federal Life Insurance which is very costly in retirement.
Response from WAEPAOct 6, 2025
Hi D, thank you for taking the time to leave a review!
gina C.
Having been with WAEPA since 1999 and now retired and at age 77 my rate has quardrupled. I had to reduce my coverage because of the large increase in premiums as I no longer was able to pay the much larger premium. When I call WAEPA to ask about my potential increase at age 80, no one seems to know how much it will be. Also, I ask what happens at at 85 (should I live that long), again no concrete answers.
Response from WAEPAOct 6, 2025
Hi Gina, Thank you for taking the time to leave a review. One of our team members has reached out to you directly to resolve your issues.
Terry G.
Insurance is great price happy with that took awhile to get back to me when I applied for insurance could have been faster but happy.
Response from WAEPASep 24, 2025
Hi Terry, thank you for taking the time to leave a review. We appreciate your continued membership.
Michael C.
Peace of mind knowing my loved ones will be financially protected if something happens to me. It also helps me feel more secure about the future, knowing I’ve planned ahead responsibly.
Response from WAEPASep 24, 2025
Hi Michael, thank you for taking the time to leave a review. We appreciate your continued membership.
Franz J.
Do not apply for Waepa. Stay with FEGLI... I found out the hard way in believing the low rates for high principal. Sounds great when young, but no real info on the decreasing principal and increasing premium. I started many years ago with max $500K principal and every 5 years the premium went up and the principal went down. I just recently canceled my policy. At 75 years old my premium went to about $9K a year and the principal, after many reductions went to about 20% of original. Although FEGLI is a bit more expensive the principal never changes (goes up) since FEGLI is whole life. I would have had over $1 million K in life insurance with FEGLI for a fraction of the cost. I sure have learned a lesson from predatory companies!!!
Response from WAEPAJul 15, 2025
Hi Franz, we appreciate you taking the time to leave feedback. Someone from our team will be reaching out to you directly to address your concerns.
customer
Great company. Fair pricing. Never had any issues.
Annora N.
I applied for a policy, and it seemed to be a decent deal, except that I have seen NOTHING from them except a bill for the first quarter. When I wrote back that I needed to know what exactly I was purchasing, I was told that they don't send out the policy until they receive payment. Is this for real? How can I pay for a policy of unknown amount, unknown terms and unknown type? I have never heard of such business practices. They are incredibly slow at responding to emails.
Response from WAEPAJun 23, 2025
Hi Annora, We appreciate you taking the time to leave a review. One of our team members has reached out to you directly to address your concern. Thank you!