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WAEPA Reduces Rates! On April 1st 2012, WAEPA reduced their rates creating a profound savings for Federal Employees under the age of 40, please see for yourself in the rate comparison calculator below. A Federal Employee, who’s 34 years of age or younger, may actually save as much as 89% over FEGLI.  Our previous rate reduction was in 1997. Since that time, WAEPA has instituted a Premium Refund Policy that has returned over $65 Million in Premium Refunds to WAEPA Members. Since 1943, WAEPA has been helping federal employees pay less for life insurance while giving them more benefit options for their money. Today, WAEPA protects over 42,000 federal employees and their families with $9 Billion in life insurance coverage. Calculate Your Savings WAEPA vs. FEGLI (Actively Employed) Enter your age, select your coverage amount, then click the button.   More Information on the calculators.      View the complete Schedule of Benefits   WAEPA Age: Select Under 25 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 Coverage for You: Select $25,000 $50,000 $75,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $525,000 $550,000 $575,000 $600,000 $625,000 $650,000 $675,000 $700,000 $725,000 $750,000 Coverage for Your Spouse: Select $0 $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 $80,000 $90,000 $100,000 $110,000 $120,000 $130,000 $140,000 $150,000 $160,000 $170,000 $180,000 $190,000 $200,000 $210,000 $220,000 $230,000 $240,000 $250,000 Coverage for You: Coverage for your Spouse: Member Premium: Dependent Premium: Total WAEPA Coverage: Total Bi-Weekly Premium:   Annual Savings:   FEGLI Age: Select Under 35 35 36 37 38 39 40 41 42 43 44 45 through 49 50 through 54 55 through 59 60 through 64 Annual Salary: Option A: Option B: 0 1 2 3 4 5 Option C: 0 1 2 3 4 5 U.S. Postal Employee? No Yes Basic Coverage: Extra Benefit: Option A: Option B: Option C (Coverage for your Spouse): Total FEGLI Coverage: Total Bi-Weekly Premium:  Dependent coverage for your children is based on your spouse's coverage  (Click here for more details)