WAEPAReviews of waepa.org

They sent me a binding contract wi

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!!!

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.

They don't answer the phone. Ever. Like never. Not helpful at all. I'm planning to cancel our insurance because what's the point in having an insurance carrier that doesn't ever respond, answer via phone or email.

I have to send paperwork and have a question. Ive called at all times of day, been disconnected, sent to voicemail, received recorded message to call back later everyones in a staff meeting. I dont believe any review that indicates someone talked to anyone. Just to get my original appt it took 6mo and they lost my mailed application twice. Its like an 800#, a voicemail box, and a PO Box with where you send money. I dont know how you would reach anyone to submit a claim!?!

WAEPA simply does not answer the phone or respond to emails. I have been trying for two weeks at several different times of day and nothing.

Waepa, please change your information to: "..it takes 2 business days to answer an email and 2 business days to have a person answer your phone call"

1 star so far. I applied in October and after a bit finally got approved for term life on Nov 15 (Invoice # C9B0C372) Problem 1: There was zero communication about how long that would take, not even a timeframe. Problem 2: With the Nov 15 ‘23, email notification of insurance approval from Mr Alexander Owen of WAEPA, they requested a quarterly payment by a specific date - to avoid any issues, I made it the same day. Mr Owen responded by saying, “I’ll be issuing your policy later today and your new member packet will be mailed out shortly.” Problem 3: After a week, on 11 Nov, then two weeks 12/1, I emailed Mr Owen on both dates to inform WAEPA that I hadn’t received my policy package. I felt it necessary to keep them informed in case the package got lost or was stolen. I NEVER RECEIVED A RESPONSE — it’s at this point I started to become uneasy and really annoyed. Problem 4: That same week of 12/1, I called their 800 and after some delay and confusion from the rep (can’t recall her name), she stated that I would receive the policy package by 12/15. Problem 5: On Monday 18 Dec, I had not yet received the policy package so I decided to call the 800 number once again. This time I spoke to Ms. M. Foshee. This was a very interesting call —after being verified as a customer, I asked about my policy package. Rather than answer my question, Ms Foshee decided to provide information that I already knew and never requested. When I interrupted to restate my question, she firmly said (threatened actually) that she would hang up if I did so again. So after stating my question again, she promptly hung up on me. I was in shocked that she could be sooooooo deranged and rude. So I called again! Unfortunately for her, I got her again on the 2nd call, she decided to punish me with an even lengthier number of questions to verify me. Unfortunately for her, I decided to record the conversation in case I needed it. This time I restated my question and requested that she directly answer my question rather than avoid it. This time she told me to look for the policy package by the end of December 2023. I requested to speak to a higher authority to discuss the matter but she refused and instead offered a call back before the next day. Problem 6: It’s now Dec 22, two days after my request for a call back and I have yet to receive a call from WAEPA. AND NO POLICY PACKAGE YET. Problem 7: The odds are that I will not get a policy package by the end of 2023. At this point, I will immediately reach out the city, state and federal agencies to file a complaint. We shall see. Problem 8: WAEPA will not act on these issues and will ONLY post a pathetic message to say how they value my input and apologized for the mishaps… WAEPA, rather than post a pathetic apology note and requesting that I call your PATHETIC customer service staff, act immediately to speak to the noted staff above and reach out to me directly. All I want is for you to act responsibly, keep your commitments, stop Ms Foshee from hanging up on people, and track these kinds of issues to ensure that so called “valued customers” are genuinely satisfied. Try being authentic, rather than avoiding real problems when issues are brought to your attention. UPDATE, 12/27/2023: The policy package finally arrived. It was sent out on 12/19 and took 8 days to arrive. WAEPA did not even include a reason for the delay. Overall, getting a policy package took over 2 months after receiving a full quarterly payment. Does anyone think that is normal in the age of digital automation? I do not.