Worldwide Assurance for Employees of Public Agencies (WAEPA) is a nonprofit organization offering life and disability insurance to current and former Civilian Federal Employees. Services include Group Term Life Insurance up to $1.5 million and Short-Term Disability Insurance. Their target audience is federal employees and their families. WAEPA's unique selling proposition is providing exclusive, cost-effective insurance options with benefits like premium refunds and scholarships, often saving members over $300 annually compared to FEGLI[1][3][4].