2013 Life Insurance Guide

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1 2013 Life Insurance Guide Worldwide Assurance for Employees of Public Agencies

2 Guide 2013 Life Insurance Guide 2013 Life Insurance Guide Published by, Worldwide Assurance for Employees of Public Agencies Copyright Worldwide Assurance for Employees of Public Agencies (), 433 Park Avenue, Falls Church, Virginia Telephone: Website: All rights reserved. No part of this book may be reproduced in any form or by any means without prior written permission from the Publisher. Printed in the U.S.A. This publication is designed to provide accurate and authoritative information in regard to the subject matter covered. It is published with the understanding that the publisher is not engaged in rendering legal, accounting or other professional service. If legal advice or other expert assistance is required, the services of a competent professional person should be sought. From a Declaration of Principles jointly adopted by a committee of the American Bar Association and a committee of publishers and associations. Go to to sign up for addition free Guides! Better Insurance. Better Prices. Better Value. 2

3 Guide 2013 Life Insurance Guide Contents Introduction... 4 Coverage Options... 5 Basic Insurance... 5 Option A... 6 Option B... 6 Option C... 6 Accidental Death and Dismemberment... 8 Travel Accident Insurance... 9 Living and Terminal Illness Benefits... 9 Coverage in Retirement Changing Insurance Coverage Rates Basic Insurance Option A Option B Option C Rates in Retirement More Information About Waepa A Brief History of Top 10 Reasons to Switch to Application Better Insurance. Better Prices. Better Value. 3

4 Guide 2013 Life Insurance Guide Introduction Life insurance usually brings protection and peace of mind for Federal families. And our primary goal, in bringing you s 2013 Life Insurance Guide, was to help Federal families understand the basics of coverage within the Federal Employees Group Life Insurance () program. But we d also like Federal Employees, like you, to become informed about what we believe is a better way to protect your family, bring peace of mind, and keep more of your hard-earned dollars at the same time. Since 1943, over 100,000 Federal Employees and their dependants have been insured by (Worldwide Assurance for Employees of Public Agencies.) is a non-profit association (not an insurance company) governed by a board of directors composed of senior level government officials, who serve without pay and at their own expense. Today, over 42,000 Federal Employees and their dependants currently belong to and life insurance in force exceeds $10.1 billion. We urge you to take a look at the differences between benefits and costs versus benefits and costs. Just a few of the many reasons over 42,000 current Federal Employees and their dependants now use : Lower premiums for you, the civilian federal or U.S. postal service employee. If you are less than 65, you can save money with 's life insurance plan compared to your current coverage. 's premiums for your spouse and dependent children are also significantly less than those charged by. More coverage options for you the federal employee. offers coverage from $25,000 up to $750,000. You choose the right amount of coverage to meet your individual needs. Unlike, you are not limited by the amount of your annual salary. More coverage options for your dependent spouse. offers coverage from $10,000 up to $250,000 (the current maximum is $25,000). As a non-profit association, has instituted a premium refund policy. Since 1996, has declared eleven such annual refunds during which time policy holders have received over $65,000,000 in returned premiums (the Federal Program has never declared a refund). also offers more coverage for your dependent children. offers up to $25,000 of coverage (the current maximum is $12,500). Coverage for you non-dependent adult children, a benefit not provided by. Your non-dependent adult children are eligible to apply for their own coverage from $25,000 up to $750,000 (even if they are not federal employees) once you become a member of. It is easy for you to join, just pay a one-time $2.00 membership fee, and no insurance purchase is required on your part. We hope that you find this 2013 Life Insurance Guide helpful. If you have any questions about s Life Insurance coverage, please feel free to call us at or visit our website at The Staff Better Insurance. Better Prices. Better Value. 4

5 Guide 2013 Life Insurance Guide Coverage Options Basic Insurance Basic Insurance Based on Employee's annual basic pay after the locality adjustment, rounded up to the nearest $1,000, plus an additional $2,000. Rates are based on the employee s age, and they increase every five years. Level Term Insurance Coverage available in $25,000 increments from $25,000 to $750,000. It is not based on salary or wage scale. Any eligible employee can apply for any coverage amount. Rates are based on the employee s age, and they increase every five years. Example: an employee who makes $47,285/yr would have basic coverage in the amount of $50,000 ($47,285 rounded up to $48,000, plus an additional $2,000). Extra Benefit Free additional coverage offered to all employees under 45 years of age. It is a multiple of the Basic insurance only. Also, s associate member program offers coverage from $25,000 up to $750,000 to your spouse, domestic partner and non-dependent adult children even if they are not federal employees. Your spouse and non-dependent adult children are eligible to apply for associate member coverage once you obtain insurance, or become a member by paying the one-time $2.00 membership fee. Extra Benefit does not offer an Extra Benefit. 35 and under 2.0x x x x x x x x x x 45 and over 1.0x Take the Basic pay and multiply it by the multiplier to obtain the total basic coverage offered to the employee. Example: 40 yr old employee with 50k of Basic coverage has $50,000 x 1.5 = $75,000. This employee has $75,000 of Basic coverage, but is only paying for $50,000 of coverage. Better Insurance. Better Prices. Better Value. 5

6 Guide 2013 Life Insurance Guide Coverage Under Options A, B & C Option A - Standard Option A is an additional $10,000 added to the Basic coverage. The rates for Option A change every five years, just like the Basic coverage. Option B - Additional Option B is offered in 1, 2, 3, 4, or 5 multiples of your pay. Round your Basic pay up to the nearest $1,000 only, then apply the option B multiple. The rates for Option B change every five years, just like the Basic coverage. Option C (Family) Option C is offered in 1, 2, 3, 4, or 5 multiples of the base coverage. The base coverage is described as $5,000 for your spouse and $2,500 for each child. The rates for Option C change every 5 years, just like the Basic coverage. Rates for Option C are based on the federal employee's age. Eligibility is defined as a spouse by marriage only, children, step-children, foster children, or grandchildren if the member has custody of the grandchild. Children must be unmarried and under 22 years of age. Children 22 years or older may be covered if they are incapable of self support because of a mental or physical disability which was present before the child's 22nd birthday. Option A does not specifically offer Optional coverage. Applicants can apply for as much coverage as they want under the Level Term plan. Option B does not specifically offer Optional coverage. Applicants can apply for as much coverage as they want under the Level Term plan. Dependent Coverage Coverage available from $10,000 - $250,000 in $10,000 increments for spouses, and $2,500 - $25,000 for dependent children. Coverage for the spouse is limited to no more than half of the employee s coverage. Rates increase every 5 years. Rates for Dependent coverage are based on the employee s age. Coverage for children is based on the amount of coverage selected for the spouse/domestic partner. Eligibility is defined as a spouse or Domestic Partner, children, step-children, foster children, or grandchildren if the employee has custody of the grandchild. Coverage for spouses/domestic partners continues until the spouse/domestic partner reaches age 75. Children must be unmarried full time students under the age of 23. If a child is not a student, coverage terminates at age 19. A Domestic Partner is defined as an individual who is at least 18 years of age; shares your permanent residence, is financially interdependent with you, has signed a domestic partner declaration with you (if you reside within a jurisdiction that provides declarations), and executes a domestic partner affidavit attesting to the validity of the relationship. Better Insurance. Better Prices. Better Value. 6

7 Guide 2013 Life Insurance Guide Example: 43 year old making $66,479 has Basic, Option A, Option B (4x), and Option C (4x). The premium and coverage amount is calculated as follows: Example: 43 year old making $66,479 has Basic, Option A, Option B (4x), and Option C (4x). The premium and coverage amount is calculated as follows: Basic: $66,479 rounded up plus $2,000 equals $69,000. Then apply the Extra Benefit (x1.2), so $69,000x1.2=$82,800 Level Term: $375,000 is the closest coverage amount can offer, since coverage is not based on salary Option A: $10,000 Option B: $66,479 rounded up to the nearest $1,000, then times 4, so $67,000x4=$268,000 Option C: $5,000 times 4 for the spouse, and $2,500 times 4 for the children, so $20,000 for the spouse and $10,000 on each child Basic + Option A + Option B + Option C = 69x x x x2.18 = $676.70/yr for: $360,800 employee coverage, $20,000 spousal coverage, and $10,000 on each child Dependent Coverage: can offer $20,000 of spousal coverage and $5,000 of coverage on children Level Term + Dependent Coverage = 375x x1.6 = $452.00/yr for: $375,000 employee coverage, $20,000 spousal coverage, and $5,000 on each child Better Insurance. Better Prices. Better Value. 7

8 Guide 2013 Life Insurance Guide Accidental Death & Dismemberment Accidental Death and Dismemberment (AD&D) Coverage Member only coverage equal up to the Basic insurance amount, and Option A only. It does not include the Extra Benefit or Option B. No charge for AD&D coverage. AD&D coverage terminates upon retirement from federal service. AD&D Schedule of Losses: Accidental Death and Dismemberment (AD&D) Coverage Member only coverage equal up to 20% of the face value of the policy. No charge for AD&D coverage. All AD&D coverage terminates at age 65, regardless of employment status. AD&D Schedule of Losses: Loss of Life Full Basic Amount Loss of Life 20% of Face Value Loss of Two or More Members Full Basic Amount Loss of Two or More Members 20% of Face Value Loss of One Member 50% of Basic Amount Loss of One Member 10% of Face Value A member is defined as a hand, foot, or sight in one eye. AD&D does not cover: Physical or Mental Illness Diagnosis of or Treatment of Mental Illness Ptomaine or Bacterial Infection A war (declared or undeclared), any act of war, or any armed aggression against the United States, in which nuclear weapons are actually being used A war (declared or undeclared), any act of war, or any armed aggression or insurrection in which you are in actual combat at the time bodily injuries are sustained Suicide or attempted suicide Injuring ones self on purpose Driving a vehicle while you were intoxicated, based on the law in the jurisdiction where you were operating the vehicle A member is defined as a hand, foot, or sight in one eye. AD&D does not cover: Bodily or Mental Infirmity Disease or Illness of any kind Intentional Self Inflicted injury War, if declared or not, and act of war or service in any military force of any country while such country in engaged in war Doing police duty as a member of a military organization Taking part in, or as a result of taking part in, commission of a felony A drug, unless taken as prescribed by a doctor Poison, gas or fumes, taken, administered or inhaled, except for an accident due to employment with any employer or self employment and caused by a risk related to that employment Better Insurance. Better Prices. Better Value. 8

9 Guide 2013 Life Insurance Guide Illegal or illegally obtained drugs that you administer to yourself Injury sustained in, or on, any vehicle or device for aerial navigation, except as a passenger in a previously tested and approved aircraft, other than experimental or prototype aircraft Common Carrier Coverage Common Carrier Coverage Common Carrier Coverage does not offer Common Carrier Coverage. Employee only coverage equal up to 40% of the face value of the policy. No charge for Common Carrier coverage. All Common Carrier coverage terminates at age 65, regardless of employment status. Common Carrier coverage is payable if loss of life occurs while the employee is a fare paying passenger on a mode of transportation which has a fixed route and a regular schedule. Living & Terminal Illness Benefits Living Benefits Living benefits are paid to you while you are still alive. They can be elected only once, and are limited to only your Basic insurance. You must have been diagnosed with a life expectancy of 9 months or less, and you must submit medical proof of the terminal illness. If your Living benefit is approved, your Basic coverage will be reduced by the amount of Living benefit you received. Terminal Illness Benefit Terminal Illness benefits are paid while you are still alive. They can be elected only once, and are limited to 25% - 50% of the face value of the policy. You must have been diagnosed with a life expectancy of 12 months or less, and you must submit medical proof of the terminal illness. If your Terminal Illness benefit is approved, the face value of your policy will be reduced by the Terminal Illness benefit amount you received. Better Insurance. Better Prices. Better Value. 9

10 Guide 2013 Life Insurance Guide Insurance Coverage in Retirement Retirement Retirement can drastically change the coverage. You must have insurance for at least 5 years before retirement in order to be eligible to continue insurance after retirement. Basic Insurance Three choices await at retirement, 75% Reduction, 50% Reduction, and No Reduction. 75% Reduction: At retirement or age 65, whichever is later, your basic insurance reduces by 2% each month until 25% of your basic is left. Once your basic begins to reduce you no longer have to pay for any basic coverage for the rest of your life. Retirement Retirement does not affect the policy in any way. If an employee is paying their premium via payroll deduction, they will need to change to a direct bill basis or bank draft to continue their premium payments. Level Term Insurance No change due to retirement, but coverage amounts are limited beginning at age 60. An employee s coverage may or may not decrease depending on their existing coverage. Coverage maximums are as follows: Age 60 - $250,000, Age 65 - $125,000, Age 70 - $75,000, Age 75 - $50,000, Age 80 - $25,000, Age 85 - No Coverage 50% Reduction: At retirement or age 65, whichever is later, your basic insurance reduces by 1% each month until 50% of your basic is left. Once your basic begins to reduce, you must pay $7.68/yr for each $1000 of coverage you have remaining. No Reduction: At retirement or age 65, whichever is later, there is no reduction in your basic coverage, and the premium is $23.28/yr for each $1000 of coverage you have under the basic. Option A - Standard Only one option exists at retirement, 75% reduction. 75% Reduction: At retirement or age 65, whichever is later, your Option A will reduce by 2% each month until 25% of Option A is left. Once Option A begins to reduce you no longer have to pay for any Option A coverage for the rest of your life. Option A does not specifically offer Optional coverage. Applicants can apply for as much coverage as they want under the Level Term plan. Better Insurance. Better Prices. Better Value. 10

11 Guide 2013 Life Insurance Guide Option B - Additional Two options are available at retirement, Full Reduction or No Reduction. Full Reduction: At retirement or age 65, whichever is later, your Option B will reduce by 2% each month until all coverage is gone. Once Option B begins to reduce, you no longer have to pay for any Option B coverage. Option B does not specifically offer Optional coverage. Applicants can apply for as much coverage as they want under the Level Term plan. No Reduction: At retirement or age 65, whichever is later, your Option B will remain the same and the rates would remain as if you are still actively employed. At any time you can choose to switch to Full Reduction. Option C (Family) Two options are available at retirement, Full reduction or No reduction. Full Reduction: At retirement or age 65, whichever is later, your Option C will reduce by 2% each month until all coverage is gone. Once Option C begins to reduce, you no longer have to pay for any Option C coverage. Dependent Coverage No change due to retirement, but coverage amounts are limited beginning at age 60. An employee s coverage may or may not decrease depending on their existing coverage. Coverage maximums are as follows: Age 60 - $120,000, Age 65 - $60,000, Age 70 - $30,000, Age 75 - No Coverage. No Reduction: At retirement or age 65, whichever is later, your Option C will remain the same and the rates would remain as if you are still actively employed. At any time you can choose to switch to Full Reduction. Better Insurance. Better Prices. Better Value. 11

12 Guide 2013 Life Insurance Guide Changing Insurance Coverage Changing Insurance Basic can be cancelled at any time for any reason. Option A, B, and C can be reduced or cancelled at any time for any reason. coverage is reduced by completing form SF 2817, and returning it to OPM. Basic can be obtained, if you do not have it already, by a federal Open Season or by waiting a year and applying for the coverage. If you wait a year to apply, you must have a physical exam which the applicant must pay for. Option A can be obtained, if you do not have it already, by a federal Open Season or by waiting a year and applying for the coverage. If you wait a year to apply, you must have a physical exam which the applicant must pay for. Changing Insurance coverage can be decreased at any time for any reason. A decrease or cancellation of coverage is obtained by sending a written request of the change. coverage can be increased up to age 65. An increase in coverage requires completion of an application and possibly a medical exam and/or physician's statement. will pay for the medical exam, and pay up to $50 for the physician's statement. Option B can be obtained or increased by a federal Open Season, by waiting a year and then applying, or by experiencing a Qualified Life Event. If you wait a year to apply, you must have a physical exam which the applicant must pay for. A Qualified Life Event is defined as: Marriage, Divorce, Death of a Spouse, Birth or adoption of a child. For each person involved in the life event the multiple of Option B can be increased by that same number, not to exceed 5x A foster child does not count as a QLE for Option B. Option C can be obtained or increased only by a federal Open Season or by experiencing a Qualified Life Event. For each person involved in the life event, the multiple of Option C can be increased by that same number, not to exceed 5x. A foster child does count as a QLE for Option C purposes. Better Insurance. Better Prices. Better Value. 12

13 Guide 2013 Life Insurance Guide Changing Insurance Coverage (continued) Conversion of Basic and Optional Coverage Conversion is offered to all covered individuals as long as their coverage is stopping due to the policy provisions. Conversion is not allowed if an employee waived coverage or voluntarily cancelled their coverage. An individual policy is offered to the employee and any other eligible family members by one of 's underwriting companies. Conversion of Level Term and Dependent Coverage Conversion is offered to all covered individuals as long as they are currently covered by. An individual whole life policy is offered to the employee and any other eligible family members by CGLIC (Cigna Group Life Insurance Company). The policy does not require a medical examination. The policy does not require a medical examination. Better Insurance. Better Prices. Better Value. 13

14 Guide 2013 Life Insurance Guide Coverage Rates Actively Employed Rates Basic Age Employee Coverage (Yearly Rates per $1,000 of Coverage) Basic % Savings Under 25 $0.48 $ (38) (74) (89) (93) (96) 85+ N/A 3.90 N/A Actively Employed Rates Option A Standard Age Employee Coverage (Yearly Rates per $1,000 of Coverage) Option A % Savings Under 25 $0.48 $ (56) (73) (84) 85+ N/A N/A Better Insurance. Better Prices. Better Value. 14

15 Guide 2013 Life Insurance Guide Actively Employed Rates Option B Additional Age Employee Coverage (Yearly Rates per $1,000 of Coverage) Option B Under 25 $0.48 $ N/A Actively Employed Rates Option C Family Age Employee Coverage (Yearly Rates per $1,000 of Coverage) Option C Under 25 $0.60 $ N/A N/A N/A Better Insurance. Better Prices. Better Value. 15

16 Guide 2013 Life Insurance Guide Rates in Retirement Age Basic Insurance - in Retirement (Yearly Rates per $1000 of Coverage) No Reduction 50% Reduction 75% Reduction Free Free Free Free 85+ N/A Free Option A - in Retirement (Yearly Rates per $1000 of Coverage) Age 75% Reduction Free Free Free Free 85+ N/A Free Age Option B in Retirement (Yearly Rates per $1000 of Coverage) No Reduction Full Reduction Free N/A N/A N/A 85+ N/A N/A Better Insurance. Better Prices. Better Value. 16

17 Guide 2013 Life Insurance Guide Age Option C in Retirement (Yearly Rates per $1000 of Coverage) No Reduction Full Reduction Free N/A N/A N/A N/A N/A 85+ N/A N/A Better Insurance. Better Prices. Better Value. 17

18 Guide 2013 Life Insurance Guide A Brief History of Better Insurance. Better Prices. Better Value. was formed in 1943 during World War II to provide life insurance coverage for civilian employees of the U.S. Government who were serving overseas. The original name, War Agencies Employees Protective Association, was changed in 1961 to Worldwide Assurance for Employees of Public Agencies. In May, 1973, membership was opened to all U.S. civilian government employees, regardless of duty assignment. In January 1999, eligibility was extended to retired civilian federal employees. And in October 2000 non-dependent adult children, parents, and parents-in-law of members became eligible for membership. And in May 2006 Domestic Partners of members became eligible for membership. Over the years, has insured over 100,000 federal employees and their dependents. In the past, members were not able to retain their membership and insurance coverage after they retired or left government service. These restrictions have now been eliminated. Over 42,000 members now belong to and life insurance in force exceeds $10.1 billion. During the past fiscal year all members received a 25% return of premium. Plus, since 1996 has refunded over 65 million dollars in life insurance premiums to members. is a non-profit association (and not an insurance company) governed by a board of directors, composed of senior level government officials, who serve without pay and at their own expense. s offices are located in Falls Church, Virginia a suburb of Washington, D.C. Better Insurance. Better Prices. Better Value. 18

19 Guide 2013 Life Insurance Guide Top 10 Reasons to Switch from to 1. Lower premiums for you, the civilian federal or U.S. postal service employee. If you are less than 65, you can save money with 's life insurance plan compared to your current coverage. 2. 's premiums for your spouse and dependent children are also significantly less than those charged by. 3. With life insurance coverage you would be eligible to participate in any future premium refunds. has returned over $65,000,000 in insurance premiums to its members since More coverage options for you the federal employee. offers coverage from $25,000 up to $750,000. You choose the right amount of coverage to meet your individual needs. Unlike, you are not limited by the amount of your annual salary. 5. More coverage options for your dependent spouse. offers coverage up to $250,000 (the current maximum is $25,000). 6. Domestic partners of members are now eligible for coverage. 7. also offers more coverage for your dependent children. offers up to $25,000 of coverage (the current maximum is $12,500). 8. Coverage for you non-dependent adult children, a benefit not provided by. Your non-dependent adult children are eligible to apply for their own coverage from $25,000 up to $750,000 (even if they are not federal employees) once you become a member of. It is easy for you to join, just pay a one-time $2.00 membership fee, and no insurance purchase is required on your part. 9. You can apply for an increase in your coverage at any time. You don't need a special Open Season to do so. 10. insurance coverage continues if you leave federal service. You retain your coverage if you retire or become employed in the private sector. Better Insurance. Better Prices. Better Value. 19

20 Serving Federal employees Since 1943 Life Insurance Life Insurance for Civilian Employees and their Families Why You (Yes, You) Need Insurance... Life insurance secures your family against the financial impact of your passing. It protects them against: The loss of your income Funeral costs and other expenses Outstanding debts Your benefit will see your family through immediate difficulties if you die, and provide a foundation for their long-term financial security. See inside to learn how little piece of mind for your loved ones can cost. What Makes Better... enables federal employees (and their families) to purchase better life insurance at far better prices. As a superior alternative or supplement to, gives its members: More coverage More benefits Greater flexibility Yet, coverage costs up to 89% less than even though it includes higher coverage limits for you, more coverage for your family, and benefits for relatives doesn t even cover! See page 2 to learn how and really compare in cost and coverage. Apply Now... No Open Season required Enjoy coverage levels of up to $750,000 More coverage for your spouse and dependent children The Bottom Line: offers Better Insurance, Better Prices, and Better Value Better Insurance. Better Prices. Better Value.

21 Life Insurance vs : How They Stack Up... Better Benefits We think you should be able to purchase exactly the amount of life insurance you need. This chart shows you how we offer more coverage in simple increments. There are no complicated options to calculate. Better Rates These charts show you the actual difference in premium costs between and for every $1,000 of coverage you purchase. It s simple: if you re under 60, you will save money with. $25,000 up to $750,000 (in $25,000 increments) Spouse / Domestic Partner $10,000 up to $250,000 (in $10,000 increments) Member Coverage Dependent Coverage Your Basic coverage is determined by your annual pay. Option A is an additional $10,000 of coverage. Option B is one to five times your annual pay. Spouse* Option C is $5,000 up to $25,000 (in $5,000 increments) * does NOT provide domestic partner coverage. Children $1,000 up to $25,000 $2,500 up to $12,500 (in $2,500 increments) Associate Member Coverage (Spouses and domestic partners, non-dependent adult children and stepchildren, parents of members, parents-in-law) $25,000 up to $750,000 Not Available (in $25,000 increments) Additional Benefits Your non-dependent adult children are eligible for their own coverage, even if they re not federal employees. See Associate Membership brochure for details info@waepa.org Member s Age Basic Basic Coverage Savings Bi-weekly premiums per $1,000 of coverage % % % % % % % Member s Age Option A Bi-weekly premiums per $1,000 of coverage Option B Optional Coverage Savings % % % % % % % % Premium Refunds Since 1996, has returned over $58 million to its members in premium refunds. As a member, you ll be eligible for a premium refund too! Page 2 Worldwide Assurance for Employees of Public Agencies

22 Life Insurance Insure Yourself: Our Most Popular Plans Member Life Insurance Schedule of Benefits Levels Life Insurance $25,000 $50,000 $100,000 $200,000 $250,000 $300,000 $500,000 $700,000 $750,000 AD & D $5,000 $10,000 $20,000 $40,000 $50,000 $60,000 $100,000 $140,000 $150,000 Common Carrier $10,000 $20,000 $40,000 $80,000 $100,000 $120,000 $200,000 $280,000 $300,000 Quarterly Premiums Based on Member/Associate Member s Age Under 25 $2.63 $5.25 $10.50 $21.00 $26.25 $31.50 $52.50 $73.50 $ $2.63 $5.25 $10.50 $21.00 $26.25 $31.50 $52.50 $73.50 $ $2.63 $5.25 $10.50 $21.00 $26.25 $31.50 $52.50 $73.50 $ $3.75 $7.50 $15.00 $30.00 $37.50 $45.00 $75.00 $ $ $7.00 $14.00 $28.00 $56.00 $70.00 $84.00 $ $ $ $10.00 $20.00 $40.00 $80.00 $ $ $ $ $ $15.25 $30.50 $61.00 $ $ $ $ $ $ $23.25 $46.50 $93.00 $ $ $ $ $ $ Please visit for a complete listing of benefits and rates. Life insurance premiums automatically increase as members enter new age groups. Coverage levels are limited above age 60. If a member s coverage exceeds the limit as he or she enters a new age group, it will automatically be reduced to the allowable amount. Accidental death and dismemberment (AD&D) and free common carrier coverage terminate at age 65. All coverage terminates at age 85. Eligibility Requirements You re eligible if you re currently a non-military government or Postal Service employee, you are less than 65 years old, and you are a U.S. citizen. You re also eligible if you are a former non-military federal employee, under age 65, currently receiving a government retirement annuity. See for full details on eligibility. More Flexibility In addition to life insurance, your policy also includes these benefits: Accidental death and dismemberment coverage Free common carrier coverage We also allow you to: Pay through convenient payroll deductions Change your coverage at any time Keep your coverage if you leave government The Bottom Line: Better Insurance at a Better Price. Worldwide Assurance for Employees of Public Agencies Page 3

23 Life Insurance Insure Your Family: Our Most Popular Plans... Dependent Life Insurance (Spouse Life Insurance) Levels $10,000 $20,000 $50,000 $100,000 $150,000 $200,000 $250,000 Dependent Life Insurance (Children) 2wks - 2yrs $1,000 $2,000 $5,000 $10,000 $10,000 $10,000 $10,000 2yrs - 5yrs $2,000 $4,000 $10,000 $20,000 $20,000 $20,000 $20,000 5yrs - 19yrs $2,500 $5,000 $12,500 $25,000 $25,000 $25,000 $25,000 Quarterly Premiums Based on Member/Associate Member s Age Under 25 $1.50 $3.00 $7.50 $15.00 $22.50 $30.00 $ $2.00 $4.00 $10.00 $20.00 $30.00 $40.00 $ $2.25 $4.50 $11.25 $22.50 $33.75 $45.00 $ $3.00 $6.00 $15.00 $30.00 $45.00 $60.00 $ $4.00 $8.00 $20.00 $40.00 $60.00 $80.00 $ $5.50 $11.00 $27.50 $55.00 $82.50 $ $ $8.00 $16.00 $40.00 $80.00 $ $ $ $12.00 $24.00 $60.00 $ $ $ $ Please visit for a complete listing of benefits and rates. Eligibility Requirements As a member, you can add coverage for the following to your life insurance policy: Your spouse or domestic partner Your dependent children under the age of 19 or up to age 23 if they are full-time students Children born to you and your spouse/domestic partner will automatically become insured under your established dependent coverage when they are two weeks old. If you remarry, you will have to complete a new application for your spouse and any adopted children. Benefits for your former spouse terminate when he or she is no longer married to you. Benefits for your children terminate when they marry, attain age 19, or cease to be a fulltime student up to age 23. All dependent coverage terminates when your spouse or domestic partner attains age 75. Purchasing Insurance for Your Family One low premium covers all of your eligible dependents, including your spouse or domestic partner. (Domestic partners must complete the Domestic Partner Affidavit which can be found at While the chart above shows only our most popular plans, you can purchase exactly as much dependent coverage as you need in $10,000 increments, up to $250,000. Dependent coverage may not exceed 50% of your own member coverage. After you reach the age of 60, the amount of dependent coverage you can purchase is limited. If your dependent coverage exceeds this limit when you turn 60, it will automatically be reduced to the amount permitted. If you and your spouse/domestic partner are both members, you cannot insure each other as dependents, and only one of you may insure dependent children. Both you and your spouse/domestic partner must be less than age 65 when you apply for dependent coverage. Spouses, domestic partners, or children who are full-time members of the Armed Forces are not eligible for dependent coverage. Page 4 Worldwide Assurance for Employees of Public Agencies

24 Life Insurance Why? Better Insurance Value: exists as a non-profit association to help federal employees get more insurance and pay less. Quality: Our coverage is underwritten by Life Insurance Company of North America (LINA), a company rated excellent by A.M. Best and Moody s. Flexibility: Our insurance program is structured so you can configure your coverage according to what you need, not a fixed formula. According to Our Members recently engaged an independent research firm to find out how our members feel about and. Only those who had insurance through and were included in our survey. Don t just take our word for it. Here s what real government employees had to say: Had a very favorable impression of the organization Believed the organization met or exceeded expectations Likely to recommend the organization in the future Likely to consider the organization for future needs 87% 31% 97% 71% 85% 35% 90% 37% Top 10 Reasons to Join 1. Lower premiums for you. Save up to 85%. 2. Lower premiums for your family. Cover your spouse and dependent children for less. 3. Eligibility for premium refunds. Since 1996, has returned over $58 million to its members. 4. More coverage options for you. offers coverage from $25,000 up to $750, More options for your spouse/domestic partner. Dependent coverage from $10,000 to $250, More protection for your dependent children. offers twice as much coverage as. 7. Associate Memberships. Your non-dependent adult children can join and save on their own insurance. 8. Complete flexibility. You can change your coverage at any time (no need to wait for an open season). 9. Keep your coverage. Even if you retire or leave government service. 10. It s more than just life insurance. Your coverage includes death and dismemberment, additional accident benefits, and free common carrier insurance. Over 60 Years of Service is a non-profit association (not an insurance company) formed during World War II by federal employees, for federal employees. Now, we currently protect over 42,000 federal employees and their families with over $8.8 billion of life insurance coverage. The critical benefit of all those policies is the ability to safeguard loved ones if the worst should happen. Ensuring that security at the lowest possible cost has been our mission and our honored commitment since Worldwide Assurance for Employees of Public Agencies Page 5

25 Life Insurance How to Apply: Application Instructions... Completing Your Application Select the level of coverage that best suits your needs. You can set your coverage anywhere from $25,000 to $750,000 in $25,000 increments. There are two parts to your application. Use the form on page seven to apply for a Life Membership. This entitles you to all the benefits of joining and makes you eligible for our low-cost coverage. Use the form on page eight to detail your physical condition. As part of our underwriting process, we may request further information about your medical history or require you to take a medical examination. That s it. You ll be covered on the date our carrier has certified your insurability and you have paid your first premium. Please sign the application on page nine and mail pages seven, eight and nine of your completed application in the enclosed envelope to: 433 Park Avenue Falls Church, VA Important Questions: Q: Who is eligible to apply for coverage? A: Current or retired federal government employees, and Postal Services employees. Spouses and adult non-dependent children of members may join as Associate Members and purchase their own policies. Q: How much insurance may I apply for? A: Up to $750,000 for yourself, $250,000 for your spouse or domestic partner, and $25,000 for eligible dependent children. Q: How do I apply? A: Complete the attached application for membership and life insurance and mail to. Q: Is a medical examination required? A: An exam may be required, dependent upon your age, the amount of coverage you re applying for, and your health history. If you are requested to take an exam, it will be performed at no charge to you. Q: How long will it take to get my insurance? A: It may take as long as 12 weeks to complete the application process. Q: How are premiums calculated? A: Premiums for coverage are based on your age and will increase every five years as you enter a new age group. Q: How do I pay my premiums? A: Premiums can be paid through payroll deduction or monthly bank draft. You can also pay via check or online electronic funds transfer on a quarterly, semi-annual, or annual basis. Page 6 Worldwide Assurance for Employees of Public Agencies

26 Application for Life Insurance Underwritten by the following CIGNA companies: Life Insurance Company of North America (LINA), Connecticut General Life Insurance Company (CG) and CIGNA Companies (herein called the Insurance Company) APPLICANT INFORMATION PLEASE COMPLETE PAGES 7, 8 & 9 OF THIS APPLICATION AND SIGN. LIST BELOW ONLY INDIVIDUALS APPLYING FOR COVERAGE ALIAS RELATIONSHIP ( TO APPLICANT ) APPLICANT (Full Name) BIRTH DATE ( MM/DD/YY ) AGE HEIGHT ( FT. IN. ) WEIGHT ( LBS. ) ELIGIBLE DEPENDENTS (Full Names) HEALTH QUESTIONS SECTION A By applying for this coverage, do you intend to replace, discontinue, or exchange existing life insurance coverage... n Yes or n No Tear here Within the last five years, have you or your eligible dependents been: diagnosed with any of the conditions shown in items A though J below, told by a medical professional he/she has, or may have, any of the conditions show in items A though J below, or been treated by a medical professional for any of the conditions shown in items A through J below? A. High blood pressure, heart attack, chest pain or Angina, a heart murmur, poor circulation, or any other condition affecting the heart or circulatory system?... n Yes or n No B. Diabetes, glandular condition, Hepatitis, or any condition affecting the esophagus, stomach, intestines, liver, or pancreas?... n Yes or n No C. Asthma, Chronic Bronchitis, Emphysema, or any other condition affecting the lungs or respiratory tract?... n Yes or n No D. Any condition affecting the kidneys, urinary tract, prostate gland, or reproductive system?... n Yes or n No E. HIV infection, AIDS, or any other condition affecting the immune system or lymph nodes?... n Yes or n No F. Stroke, Transient Ischemic Attack (TIA), Alzheimer s disease, paralysis, epilepsy, fainting, seizures, headaches, or other condition affecting the nervous system?... n Yes or n No G. Anemia or any other condition affecting the blood, Lupus, Arthritis, deformity, or loss of limb?... n Yes or n No H. Anxiety, Depression, Bipolar Disorder, or any other mental disorder or condition?... n Yes or n No I. Cancer, Tumor, Leukemia, Hodgkin s Disease, Polyps, or Moles?... n Yes or n No J. Alcohol or drug abuse or dependency?... n Yes or n No HEALTH QUESTIONS SECTION B Within the last five years, have you or your eligible dependents: A. Used any controlled or illegal drug or other substance?... n Yes or n No B. Been seen for, or been advised to have sought treatment for, observation and/or consultation for surgery, medical examination, and/or tests, such as blood, urine, X-rays, electrocardiograms, scans, biopsies, or any medical tests/exams not listed here or above, other than normal routine physical exams?... n Yes or n No C. Used any medication prescribed by a physician or other medical practitioner, or used any form of alternative and complementary medical treatment or remedy, including herbs or acupuncture?... n Yes or n No D. Been seen, sought treatment for, consulted, advised they had and/or received any medical advice from a health care practitioner for any disease, disorder and/or medical impairment not listed above?... n Yes or n No USE THE SPACE BELOW TO EXPLAIN YES ANSWERS. IF MORE SPACE IS NEEDED, USE A NEW PAGE, SIGN AND DATE IT AND ATTACH TO THIS FORM. Name of Person Condition Date Occurred Duration/Treatment Received Current Status Page 7

27 Application for Life Insurance Caution: Any person who knowingly and with intent to defraud any insurance company or other person: (1) files an application for insurance or statement of claim containing any materially false information; or (2) conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act. Applicant Physician Spouse/Domestic Partner Physician Child(ren) Physician PHYSICIAN SECTION Name Contact Information Street Address (City, State, & Zip) Tel# Fax# Tel# Fax# Tel# Fax# AGREEMENTS AND AUTHORIZATION To the best of my knowledge and belief, all written, telephonic, and electronic information I gave is true and complete. I also understand that coverage for each of my dependents will not go into effect if a dependent is confined in a hospital or institution. The conditions for the requested insurance to be effective are described in the policy and certificate. The approval of this request by the Insurance Company is one of those conditions. I understand and agree that: (1) This request will be a part of the policy that provides the insurance. (2) I may need to provide more medical information. (3) I may need to take medical tests and report the results to the Insurance Company. (4) My dependent(s) may need to take medical tests. The results of those tests must be reported to the Insurance Company. (5) I must report any change in my health, or of a dependent for whom coverage is requested, that happens before the insurance is effective. (6) Requested insurance will not be effective for a person if the person does not meet the underwriting requirements on the date insurance is to be effective. AUTHORIZATION I permit any hospital, clinic, health care practitioner, pharmacy, benefit manager, employer, insurance company, or any other person or organization having information about the health, medical history, physical or mental condition, diagnosis or treatment, employment or income, or motor vehicle driving record, of me or my children to disclose to the Insurance Company or its authorized agent, any such information, for the purpose of underwriting this application for insurance or administering any claim under any insurance which is approved. This authorization is valid for 30 months from the date below. I accept that a copy of this Authorization is as valid as the original. I understand that I and/or my authorized agent have the right to receive a copy of this authorization upon request. I understand that the information will be used to assess my request for insurance. I may revoke this authorization at any time in writing. Any such revocation will not: (1) change any action taken in reliance on the Authorization; and (2) change the Insurance Company s right to use the Authorization for contest of a claim or policy in accordance with the applicable law. I understand that the information provided pursuant to this authorization may be disclosed by the recipient and is no longer subject to the protections of the Health Insurance Portability and Accountability Act (HIPAA). (The Insurance Companies are subject to the Gramm-Leach-Bliley act and state privacy laws. They do not disclose protected information except as permitted by those laws.) X X Applicant s Signature Date Signature of Spouse/Domestic Partner (if applying) Date Notice: Personal information may be collected from persons other than those proposed for coverage. Information may be disclosed to third parties without your authorization as permitted by law. You have the right to access and correct all personal information collected. Additional information about the insurance company s privacy practices is available upon request. TL (4/12) 5.5 4/12 Worldwide Assurance for Employees of Public Agencies 433 Park Avenue, Falls Church, VA Toll Free: info@waepa.org Page 8

28 Application for Life Insurance APPLICANT INFORMATION PLEASE COMPLETE PAGES 7, 8 & 9 OF THIS APPLICATION AND SIGN. APPLICANT NAME: (Please Print) ( First ) ( M.I. ) ( Last ) n I hereby make application for membership in. If admitted to membership, I hereby make application for Group Insurance for which I am eligible, and for the Accidental Death and Dismemberment benefits under the policies issued to by The Life Insurance Company of North America. n I am a member of, presently insured under Certificate Number, and wish to change my present Group Insurance coverage to the Group Insurance coverage selected below: 1. Amount of insurance coverage selected. a. Basic Group Life Insurance (Amount of Member Life Insurance) $ Level b. Dependent Group Life (DGL) Insurance (Amount of Spouse/Domestic Partner*/Children Life Insurance) $ Level Note: Your spouse/domestic partner s coverage may not be greater than one half (50%) of your coverage. Full-time members of the Armed Forces are not eligible for member, associate member, or dependent coverage. Note: To verify eligibility for dependent coverage, domestic partners must complete a Domestic Partner Affidavit and return the notarized affidavit with their application. The affidavit is available at or by calling Your sex: n Male n Female w 3. Your date of birth / / Age Occupation/Grade (MM/DD/YY - You must be less than age 65) Your spouse/domestic partner s date of birth / / Age Occupation (MM/DD/YY - Your spouse/domestic partner must be less than age 65) 4. I hereby certify the following: (complete a or b) n a. I am a civilian employee of the U.S. Government actively at work. I have been employed by since (Department, Agency, or Bureau) b. I am a retired civilian federal employee currently receiving a retirement annuity. (Please attach a copy of your Standard Form 50 Notification of Personnel Action.) 5. I am a citizen of the United States of America and my Social Security Number is 6. Spouse Social Security Number (ONLY if applying for spousal coverage) 7. I will pay premiums: n Annually n Semi-Annually n Quarterly n Monthly n Payroll Deduction 8. Initial Premium Payment Send No Money! Once your application has been received and approved, we will advise you of the amount due. Your coverage will be effective on the date you provide evidence of insurability satisfactory to the insurance carrier, and you forward the first premium. Your payment must reach us within 30 days of the date of notification. Your initial premium payment will also include your one-time $2.00 lifetime membership fee. 9. I designate as my beneficiary (please list legal name, e.g., Mary White Jones not Mrs. John Jones). Primary Relationship Contingent Relationship If you name a contingent beneficiary, the contingent beneficiary will receive the death benefit if your primary beneficiary is not living when you die. If you name more than one person as a primary beneficiary or a contingent beneficiary, specify the percentage of benefit payable to each beneficiary. The applicant/member will be the beneficiary of all dependent coverage. 10. Applicant Contact Information: An authorization form permitting us to transfer funds from your checking account will be mailed to you. Information regarding payroll deduction will be mailed to you after your application is approved. Street City State Zip Code Office Phone Home Phone Cell Number *Domestic Partner Coverage is not availiable in Virginia. Page 9

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