Jump to main content

Life Insurance: Questions & Answers

Life insurance is an essential part of any financial strategy. It provides peace of mind by helping protect the security of the most important people in your life. It can replace income for dependents, create inheritances, provide charitable contributions, and much more.

Understanding Life Insurance

What is Life Insurance & How Does it Work?

Life insurance is a contract between you and an insurance company. You pay premium payments in exchange for a potential lump sum (known as a death benefit) that beneficiaries receive after your death. This death benefit can be used towards bills, mortgage, college tuition, and other expenses.

Why is Life Insurance Important?

Life insurance will offset the financial burden on your loved ones if you pass. It can cover virtually any type of living expense, including burial costs, medical bills, housing, and retirement.

What Types of Life Insurance Are There?

The two most popular types of life insurance are term life insurance and whole life insurance. Term life insurance is temporary protection because it only provides coverage for a specific period of time. There is usually a maximum age above which coverage will not be offered or at which coverage cannot be renewed. Whole life insurance (or permanent insurance) is a general term used to refer to various forms of life insurance policies that build cash value and remain in effect for the entire life of the insured (or until age 100) as long as the premium is paid.

How Does Group Term Life Insurance Work?

Group Term Life Insurance is an annually renewable term insurance. Coverage is issued by an insurance carrier (New York Life Insurance Company) to a policyholder (WAEPA) for the purpose of insuring the policyholder’s members. The economies of scale provide for exclusive premiums.

How Are Group Term Life Insurance Benefits Paid?

Group Term Life Insurance benefits are payable in a lump sum, at the time of death. One major advantage of term life insurance is quick liquidity at the time it’s needed. Term Life Insurance does not build cash value like whole life insurance; thus, premiums are generally lower than whole life plans during the guaranteed paying years. It typically would not be subject to delays that can occur in probate while final medical, funeral, and household expenses continue to accumulate.

Who Needs Life Insurance?

Life insurance is an integral part of financial planning for anyone that wants to protect their family’s future in the event that the unexpected should happen. There are any number of life-changing events that Civilian Federal Employees should consider when re-evaluating their life insurance needs, including getting married, starting a family, buying a home, and more.

New Family Member

A new child brings added financial responsibilities.

New Home

Adjust insurance to offset increased debt.

New Job

Coverage should keep pace with your current income.

Change in Marital Status

Ensure your family remains adequately insured.

Increased Assets

Protect your family from the added financial burden.

How Much Life Insurance Do I Need?

Financial advisors recommend having enough life insurance to cover ten times your salary, but individual life insurance needs differ based on your family’s overall financial wellness plan. The best thing to do is think about your current expenses, your plans for your family’s future, and what might happen if you were to die unexpectedly.

How Much Does Life Insurance Cost?

Life insurance costs vary based on three primary factors: age, risk factors, and the amount of coverage. Generally speaking, life insurance is less expensive when you are younger, and grows progressively more expensive as you grow older. This is because your risk factors, the odds that an individual will suffer an untimely death while covered by a policy, increase as you age. As with any type of premium, you pay more money for more coverage, and less money for less coverage.

Videos About Life Insurance

Your Life is a Masterpiece

Coverage Calculator

No One Can Replace You

How Do I Buy Life Insurance?

Choose Your Coverage

Use our Coverage Calculator to determine the right amount of coverage for you and your family.

Apply for Coverage

Once you’ve determined your coverage amount, you can apply for coverage or learn more about the life insurance application process.

Decision

Once the underwriter has reviewed your application, you will be notified by email if approved or by mail if not approved.

Additional Frequently Asked Questions

How much Group Term Life Insurance coverage is available to me?

With WAEPA, you can apply for up to $1.5 million in Group Term Life Insurance coverage.

Don’t I already have life insurance through my work?

Civilian Federal Employees are automatically offered FEGLI through their benefits package. However, because there is no underwriting process with FEGLI, rates can be higher than an individual would find with an alternate plan. No underwriting process mean that the young, old, healthy, and sick are all covered without examining their risk factors. Due to this, WAEPA’s rates compare favorably to FEGLI across multiple ages and coverage amounts.

When is the right time to get insurance?

Life insurance is an important part of your overall financial wellness plan, but it gets more expensive as you get older, so it is beneficial to purchase it when you are young and your risk factors are low. It is also important to evaluate your life insurance coverage after “life changing events” such as getting married, starting a family, and buying a home.

What do I need to know before buying life insurance?

Prospective WAEPA members seeking to purchase life insurance need to determine what coverage amount is right for them based on their ability to pay the required premium, serve their individual financial needs, and protect their family’s financial future. Once you’ve determined the coverage amount for your needs, it’s a simple application process to apply for a WAEPA policy.

Are there any factors that don’t affect the cost of life insurance?

Yes, race, color, religion, creed, national origin, ancestry, and sexual orientation (among other factors) will not impact the cost of life insurance.

Some of the insurance terminology is confusing – where can I go to better understand?

Visit our FAQ section on life insurance terminology for definitions on key terms.

[gravityform id="Feedback Test - One" ajax="true"]
<!DOCTYPE html><html><head><meta charset='UTF-8' /></head><body class='GF_AJAX_POSTBACK'><p class="gform_not_found">Oops! We could not locate your form.</p></body></html>
[gravityform id="Feedback Test - Two" ajax="true"]
<!DOCTYPE html><html><head><meta charset='UTF-8' /></head><body class='GF_AJAX_POSTBACK'><p class="gform_not_found">Oops! We could not locate your form.</p></body></html>
[gravityform id="Feedback Test - Three" ajax="true"]
<!DOCTYPE html><html><head><meta charset='UTF-8' /></head><body class='GF_AJAX_POSTBACK'><p class="gform_not_found">Oops! We could not locate your form.</p></body></html>
[formId]
[formId]
[formName]
[formName]
[formKey]
[formKey]
[fieldId]
[fieldId]
[fieldKey]
[fieldKey]
[formId+'-1']
[formId+'-1']
[gravityforms id="Feedback Test - Three"]
<p class="gform_not_found">Oops! We could not locate your form.</p>
[gravityform id="Register to View Guides" title="true" description="true" ajax="true" tabindex="-1" ]
<script type="text/javascript">var gform;gform||(document.addEventListener("gform_main_scripts_loaded",function(){gform.scriptsLoaded=!0}),window.addEventListener("DOMContentLoaded",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,initializeOnLoaded:function(o){gform.domLoaded&&gform.scriptsLoaded?o():!gform.domLoaded&&gform.scriptsLoaded?window.addEventListener("DOMContentLoaded",o):document.addEventListener("gform_main_scripts_loaded",o)},hooks:{action:{},filter:{}},addAction:function(o,n,r,t){gform.addHook("action",o,n,r,t)},addFilter:function(o,n,r,t){gform.addHook("filter",o,n,r,t)},doAction:function(o){gform.doHook("action",o,arguments)},applyFilters:function(o){return gform.doHook("filter",o,arguments)},removeAction:function(o,n){gform.removeHook("action",o,n)},removeFilter:function(o,n,r){gform.removeHook("filter",o,n,r)},addHook:function(o,n,r,t,i){null==gform.hooks[o][n]&&(gform.hooks[o][n]=[]);var e=gform.hooks[o][n];null==i&&(i=n+"_"+e.length),gform.hooks[o][n].push({tag:i,callable:r,priority:t=null==t?10:t})},doHook:function(n,o,r){var t;if(r=Array.prototype.slice.call(r,1),null!=gform.hooks[n][o]&&((o=gform.hooks[n][o]).sort(function(o,n){return o.priority-n.priority}),o.forEach(function(o){"function"!=typeof(t=o.callable)&&(t=window[t]),"action"==n?t.apply(null,r):r[0]=t.apply(null,r)})),"filter"==n)return r[0]},removeHook:function(o,n,t,i){var r;null!=gform.hooks[o][n]&&(r=(r=gform.hooks[o][n]).filter(function(o,n,r){return!!(null!=i&&i!=o.tag||null!=t&&t!=o.priority)}),gform.hooks[o][n]=r)}});</script> <div class='gf_browser_unknown gform_wrapper gform_legacy_markup_wrapper' id='gform_wrapper_46' ><div id='gf_46' class='gform_anchor' tabindex='-1'></div> <div class='gform_heading'> <h3 class="gform_title">Register to View Guides</h3> <span class='gform_description'></span> </div><form method='post' enctype='multipart/form-data' target='gform_ajax_frame_46' id='gform_46' action='/resources/intro-to-life-insurance/#gf_46' novalidate> <div class='gform_body gform-body'><ul id='gform_fields_46' class='gform_fields top_label form_sublabel_above description_above'><li id="field_46_4" class="gfield gfield_contains_required field_sublabel_above field_description_above gfield_visibility_visible" data-js-reload="field_46_4"><label class='gfield_label gfield_label_before_complex' >Name<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_complex ginput_container no_prefix has_first_name no_middle_name has_last_name no_suffix gf_name_has_2 ginput_container_name' id='input_46_4'> <span id='input_46_4_3_container' class='name_first' > <label for='input_46_4_3' >First</label> <input type='text' name='input_4.3' id='input_46_4_3' value='' aria-required='true' /> </span> <span id='input_46_4_6_container' class='name_last' > <label for='input_46_4_6' >Last</label> <input type='text' name='input_4.6' id='input_46_4_6' value='' aria-required='true' /> </span> </div></li><li id="field_46_1" class="gfield gfield_contains_required field_sublabel_above field_description_above gfield_visibility_visible" data-js-reload="field_46_1"><label class='gfield_label' for='input_46_1' >Email<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_email'> <input name='input_1' id='input_46_1' type='email' value='' class='medium' aria-required="true" aria-invalid="false" /> </div></li><li id="field_46_6" class="gfield field_sublabel_above field_description_above gfield_visibility_visible" data-js-reload="field_46_6"><label class='gfield_label gfield_label_before_complex' >Address</label> <div class='ginput_complex ginput_container has_zip ginput_container_address' id='input_46_6' > <input type='hidden' class='gform_hidden' name='input_6.4' id='input_46_6_4' value=''/><span class='ginput_right address_zip ginput_address_zip' id='input_46_6_5_container' > <label for='input_46_6_5' id='input_46_6_5_label' >Zip Code</label> <input type='text' name='input_6.5' id='input_46_6_5' value='' aria-required='false' /> </span><input type='hidden' class='gform_hidden' name='input_6.6' id='input_46_6_6' value='' /> <div class='gf_clear gf_clear_complex'></div> </div></li><li id="field_46_7" class="gfield gfield_contains_required field_sublabel_above field_description_above gfield_visibility_visible" data-js-reload="field_46_7"><label class='gfield_label gfield_label_before_complex' >Consent<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_consent'><input name='input_7.1' id='input_46_7_1' type='checkbox' value='1' aria-required="true" aria-invalid="false" /> <label class="gfield_consent_label" for='input_46_7_1' >I agree to the WAEPA privacy policy.</label><input type='hidden' name='input_7.2' value='I agree to the WAEPA privacy policy.' class='gform_hidden' /><input type='hidden' name='input_7.3' value='11' class='gform_hidden' /></div></li><li id="field_46_3" class="gfield gform_hidden field_sublabel_above field_description_above gfield_visibility_visible" data-js-reload="field_46_3"><div class='ginput_container ginput_container_text'><input name='input_3' id='input_46_3' type='hidden' class='gform_hidden' aria-invalid="false" value='https://www.waepa.org' /></div></li><li id="field_46_10" class="gfield gform_hidden field_sublabel_above field_description_above gfield_visibility_visible" data-js-reload="field_46_10"><div class='ginput_container ginput_container_text'><input name='input_10' id='input_46_10' type='hidden' class='gform_hidden' aria-invalid="false" value='' /></div></li><li id="field_46_9" class="gfield field_sublabel_above field_description_above gfield_visibility_visible" data-js-reload="field_46_9"><label class='gfield_label' for='input_46_9' >Agency Name</label><div class='ginput_container ginput_container_select'><select name='input_9' id='input_46_9' class='medium gfield_select' aria-invalid="false" ><option value='Agricultural Marketing Service' >Agricultural Marketing Service</option><option value='Agricultural Research Service' >Agricultural Research Service</option><option value='Animal and Plant Health Inspection Service' >Animal and Plant Health Inspection Service</option><option value='Farm Service Agency' >Farm Service Agency</option><option value='Food and Nutrition Service' >Food and Nutrition Service</option><option value='Food Safety and Inspection Service' >Food Safety and Inspection Service</option><option value='Foreign Agricultural Service' >Foreign Agricultural Service</option><option value='Forest Service' >Forest Service</option><option value='Grain Inspection Packers and Stockyards Administration' >Grain Inspection Packers and Stockyards Administration</option><option value='Natural Resources Conservation Service' >Natural Resources Conservation Service</option><option value='National Institute of Food and Agriculture' >National Institute of Food and Agriculture</option><option value='National Finance Center' >National Finance Center</option><option value='National Oceanic Atmospheric Administration' >National Oceanic Atmospheric Administration</option><option value='Bureau of Economic Analysis' >Bureau of Economic Analysis</option><option value='Bureau of Industry and Security' >Bureau of Industry and Security</option><option value='Economic and Statistics Administration' >Economic and Statistics Administration</option><option value='Economic Development Administration' >Economic Development Administration</option><option value='International Trade Administration' >International Trade Administration</option><option value='National Technical Information Service' >National Technical Information Service</option><option value='National Telecommunications and Information Administration' >National Telecommunications and Information Administration</option><option value='National Institute of Standards and Technology' >National Institute of Standards and Technology</option><option value='U.S. Census Bureau' >U.S. Census Bureau</option><option value='U.S. Patent and Trademark Office' >U.S. Patent and Trademark Office</option><option value='U.S. Air Force' >U.S. Air Force</option><option value='U.S. Army' >U.S. Army</option><option value='U.S. Navy' >U.S. Navy</option><option value='U.S. Marine Corps' >U.S. Marine Corps</option><option value='National Security Agency' >National Security Agency</option><option value='Defense Commissary Agency' >Defense Commissary Agency</option><option value='Defense Contract Audit Agency' >Defense Contract Audit Agency</option><option value='Defense Contract Management Agency' >Defense Contract Management Agency</option><option value='Defense Legal Services Agency' >Defense Legal Services Agency</option><option value='Defense Logistics Agency' >Defense Logistics Agency</option><option value='Defense Security Cooperation Agency' >Defense Security Cooperation Agency</option><option value='Defense Security Service' >Defense Security Service</option><option value='Defense Threat Reduction Agency' >Defense Threat Reduction Agency</option><option value='Missile Defense Agency' >Missile Defense Agency</option><option value='National Geospatial Intelligence Agency' >National Geospatial Intelligence Agency</option><option value='National Reconnaissance Office' >National Reconnaissance Office</option><option value='Defense Advanced Research Projects Agency' >Defense Advanced Research Projects Agency</option><option value='Defense Finance and Accounting Service' >Defense Finance and Accounting Service</option><option value='Defense Information Systems Agency' >Defense Information Systems Agency</option><option value='Defense Intelligence Agency' >Defense Intelligence Agency</option><option value='U.S. Army Corps of Engineers' >U.S. Army Corps of Engineers</option><option value='National Nuclear Security Administration' >National Nuclear Security Administration</option><option value='Bonneville Power Administration' >Bonneville Power Administration</option><option value='Office of Science' >Office of Science</option><option value='Western Area Power Administration' >Western Area Power Administration</option><option value='Centers for Disease Control and Prevention' >Centers for Disease Control and Prevention</option><option value='Centers for Medicare &amp; Medicaid Services' >Centers for Medicare &amp; Medicaid Services</option><option value='National Institutes of Health' >National Institutes of Health</option><option value='Food and Drug Administration' >Food and Drug Administration</option><option value='Substance Abuse and Mental Health Services Administration' >Substance Abuse and Mental Health Services Administration</option><option value='Health Resources &amp; Services Administration' >Health Resources &amp; Services Administration</option><option value='Administration for Children and Families' >Administration for Children and Families</option><option value='National Heart, Lung, and Blood Institute' >National Heart, Lung, and Blood Institute</option><option value='Indian Health Service' >Indian Health Service</option><option value='Transportation Security Administration' >Transportation Security Administration</option><option value='Customs and Border Protection' >Customs and Border Protection</option><option value='Federal Emergency Management Agency' >Federal Emergency Management Agency</option><option value='U.S. Secret Service' >U.S. Secret Service</option><option value='Immigration and Customs Enforcement' >Immigration and Customs Enforcement</option><option value='Citizenship and Immigration Services' >Citizenship and Immigration Services</option><option value='U.S. Coast Guard' >U.S. Coast Guard</option><option value='U.S. Geological Survey' >U.S. Geological Survey</option><option value='Trust Territories' >Trust Territories</option><option value='Bureau of Indian Affairs' >Bureau of Indian Affairs</option><option value='Bureau of Land Management' >Bureau of Land Management</option><option value='Bureau of Ocean Energy Management' >Bureau of Ocean Energy Management</option><option value='Bureau of Reclamation' >Bureau of Reclamation</option><option value='Bureau of Safety and Environment Enforcement' >Bureau of Safety and Environment Enforcement</option><option value='National Park Service' >National Park Service</option><option value='U.S. Fish and Wildlife Service' >U.S. Fish and Wildlife Service</option><option value='Foreign Claims Settlement Commission' >Foreign Claims Settlement Commission</option><option value='Bureau of Alcohol, Tobacco, Firearms and Explosives' >Bureau of Alcohol, Tobacco, Firearms and Explosives</option><option value='Drug Enforcement Administration' >Drug Enforcement Administration</option><option value='Executive Office of Immigration Review' >Executive Office of Immigration Review</option><option value='Federal Bureau of Investigation' >Federal Bureau of Investigation</option><option value='Federal Bureau of Prisons' >Federal Bureau of Prisons</option><option value='National Security Division' >National Security Division</option><option value='U.S. Attorneys Office' >U.S. Attorneys Office</option><option value='U.S. Marshals Service' >U.S. Marshals Service</option><option value='U.S. Trustee Program' >U.S. Trustee Program</option><option value='Administrative Review Board' >Administrative Review Board</option><option value='Benefits Review Board' >Benefits Review Board</option><option value='Bureau of International Labor Affairs' >Bureau of International Labor Affairs</option><option value='Bureau of Labor Statistics' >Bureau of Labor Statistics</option><option value='Employee Benefits Security Administration' >Employee Benefits Security Administration</option><option value='Employee Compensation Appeals Board' >Employee Compensation Appeals Board</option><option value='Employment &amp; Training Administration' >Employment &amp; Training Administration</option><option value='Mine Safety &amp; Health Administration' >Mine Safety &amp; Health Administration</option><option value='Occupational Safety &amp; Health Administration' >Occupational Safety &amp; Health Administration</option><option value='Federal Aviation Administration' >Federal Aviation Administration</option><option value='Federal Highway Administration' >Federal Highway Administration</option><option value='Federal Railroad Administration' >Federal Railroad Administration</option><option value='National Highway Traffic Safety Administration' >National Highway Traffic Safety Administration</option><option value='Internal Revenue Service' >Internal Revenue Service</option><option value='U.S. Mint' >U.S. Mint</option><option value='Bureau of Engraving &amp; Printing' >Bureau of Engraving &amp; Printing</option><option value='Office of the Comptroller of the Currency' >Office of the Comptroller of the Currency</option><option value='Bureau of Fiscal Service' >Bureau of Fiscal Service</option><option value='Udall Foundation' >Udall Foundation</option><option value='Executive Office of the President' >Executive Office of the President</option><option value='Office of Management and Budget' >Office of Management and Budget</option><option value='Government Employees Health Association' >Government Employees Health Association</option><option value='Central Intelligence Agency' >Central Intelligence Agency</option><option value='Social Security Administration' >Social Security Administration</option><option value='U.S. Agency for International Development' >U.S. Agency for International Development</option><option value='Administrative Conference of the United States' >Administrative Conference of the United States</option><option value='U.S. Arms Control and Disarmament Agency' >U.S. Arms Control and Disarmament Agency</option><option value='Broadcasting Board of Governors' >Broadcasting Board of Governors</option><option value='CANAL ZONE GOVERNMENT' >CANAL ZONE GOVERNMENT</option><option value='Civil Aeronautics Board' >Civil Aeronautics Board</option><option value='Commission on Civil Rights' >Commission on Civil Rights</option><option value='Commission of Fine Arts' >Commission of Fine Arts</option><option value='Commodity Futures Trading Commission' >Commodity Futures Trading Commission</option><option value='Community Services Administration' >Community Services Administration</option><option value='Consumer Product Safety Commission' >Consumer Product Safety Commission</option><option value='Environmental Protection Agency' >Environmental Protection Agency</option><option value='Equal Employment Opportunity Commission' >Equal Employment Opportunity Commission</option><option value='Export-Import Bank of the U.S.' >Export-Import Bank of the U.S.</option><option value='Farm Credit Administation' >Farm Credit Administation</option><option value='Federal Communications Commission' >Federal Communications Commission</option><option value='Federal Deposit Insurance Corporation' >Federal Deposit Insurance Corporation</option><option value='Federal Election Commission' >Federal Election Commission</option><option value='Federal Home Loan Bank Board' >Federal Home Loan Bank Board</option><option value='Federal Housing Finance Agency' >Federal Housing Finance Agency</option><option value='Federal Labor Relations Authority' >Federal Labor Relations Authority</option><option value='Federal Maritime Commission' >Federal Maritime Commission</option><option value='Federal Mediation and Conciliation Service' >Federal Mediation and Conciliation Service</option><option value='Federal Reserve System' >Federal Reserve System</option><option value='Federal Retirement Thrift Investment Board' >Federal Retirement Thrift Investment Board</option><option value='Federal Trade Commission' >Federal Trade Commission</option><option value='General Services Administration' >General Services Administration</option><option value='Inter-American Foundation' >Inter-American Foundation</option><option value='International Boundary and Water Commission' >International Boundary and Water Commission</option><option value='U.S. Information Agency' >U.S. Information Agency</option><option value='International Trade Commission' >International Trade Commission</option><option value='International Commerce Commission' >International Commerce Commission</option><option value='Merit Systems Protection Board' >Merit Systems Protection Board</option><option value='National Aeronautics Space Administration' >National Aeronautics Space Administration</option><option value='National Capital Planning Commission' >National Capital Planning Commission</option><option value='National Credit Union Administration' >National Credit Union Administration</option><option value='National Endowment for the Humanities' >National Endowment for the Humanities</option><option value='National Archives Records Administration' >National Archives Records Administration</option><option value='National Labor Relations Board' >National Labor Relations Board</option><option value='National Mediation Board' >National Mediation Board</option><option value='National Science Foundation' >National Science Foundation</option><option value='National Transportation Safety Board' >National Transportation Safety Board</option><option value='Nuclear Regulatory Commission' >Nuclear Regulatory Commission</option><option value='Office of Thrift Supervision' >Office of Thrift Supervision</option><option value='Occupational Safety and Health Review Comm' >Occupational Safety and Health Review Comm</option><option value='Office of Personnel Management' >Office of Personnel Management</option><option value='Overseas Private Investment Corporation' >Overseas Private Investment Corporation</option><option value='Pension Benefit Guaranty Corporation' >Pension Benefit Guaranty Corporation</option><option value='Postal Regulatory Commission' >Postal Regulatory Commission</option><option value='U.S. Postal Service' >U.S. Postal Service</option><option value='Railroad Retirement Board' >Railroad Retirement Board</option><option value='Resolution Trust Corporation' >Resolution Trust Corporation</option><option value='Securities and Exchange Commission' >Securities and Exchange Commission</option><option value='Selective Service System' >Selective Service System</option><option value='Small Business Administration' >Small Business Administration</option><option value='Smithsonian Institution' >Smithsonian Institution</option><option value='Tennessee Valley Authority' >Tennessee Valley Authority</option><option value='Water Resources Council' >Water Resources Council</option><option value='Congress Staff &amp; Comm' >Congress Staff &amp; Comm</option><option value='Senate Staff &amp; Comm' >Senate Staff &amp; Comm</option><option value='Congressional Budget Office' >Congressional Budget Office</option><option value='Government Accountability Office' >Government Accountability Office</option><option value='Government Publishing Office' >Government Publishing Office</option><option value='Architect of the Capitol' >Architect of the Capitol</option><option value='Library of Congress' >Library of Congress</option><option value='U.S. Courts' >U.S. Courts</option><option value='American Battle Monuments Commission' >American Battle Monuments Commission</option><option value='Government of Guam' >Government of Guam</option><option value='National Academy of Sciences' >National Academy of Sciences</option><option value='Arctic Institute of North America' >Arctic Institute of North America</option><option value='United Nations' >United Nations</option><option value='Federal Acquisition Commission' >Federal Acquisition Commission</option><option value='Legal Services Corporation' >Legal Services Corporation</option><option value='Corporation for National and Community Service' >Corporation for National and Community Service</option><option value='Court Services and Offender Supervision Agency' >Court Services and Offender Supervision Agency</option><option value='Federal Accounting Standards Advisory Board' >Federal Accounting Standards Advisory Board</option><option value='Federal Energy Regulatory Commission' >Federal Energy Regulatory Commission</option><option value='Federal Housing Finance Board' >Federal Housing Finance Board</option><option value='House of Representatives' >House of Representatives</option><option value='John F. Kennedy Center for the Performing Arts' >John F. Kennedy Center for the Performing Arts</option><option value='National Endowment for the Arts' >National Endowment for the Arts</option><option value='National Gallery of Art' >National Gallery of Art</option><option value='Northern Boarder Regional Commission' >Northern Boarder Regional Commission</option><option value='Peace Corps' >Peace Corps</option><option value='Supreme Court of the United States' >Supreme Court of the United States</option><option value='U.S. Capitol Police' >U.S. Capitol Police</option><option value='U.S. Holocaust Memorial Museum' >U.S. Holocaust Memorial Museum</option><option value='U.S. Postal Service Office of the Inspector General' >U.S. Postal Service Office of the Inspector General</option><option value='U.S. Sentencing Commission' >U.S. Sentencing Commission</option><option value='U.S. Tax Court' >U.S. Tax Court</option><option value='U.S. Trade and Development Agency' >U.S. Trade and Development Agency</option><option value='Consumer Financial Protection Bureau' >Consumer Financial Protection Bureau</option><option value='Office of the Director of National Intelligence' >Office of the Director of National Intelligence</option><option value='U.S. Postal Inspection Service' >U.S. Postal Inspection Service</option><option value='National Background Investigations Bureau' >National Background Investigations Bureau</option><option value='Department of Agriculture' >Department of Agriculture</option><option value='Department of Commerce' >Department of Commerce</option><option value='Department of Defense' >Department of Defense</option><option value='Department of Energy' >Department of Energy</option><option value='Department of Education' >Department of Education</option><option value='Department of Health and Human Services' >Department of Health and Human Services</option><option value='Department of Housing and Urban Development' >Department of Housing and Urban Development</option><option value='Department of Interior' >Department of Interior</option><option value='Department of Justice' >Department of Justice</option><option value='Department of Labor' >Department of Labor</option><option value='Department of State' >Department of State</option><option value='Department of Transportation' >Department of Transportation</option><option value='Department of Treasury' >Department of Treasury</option><option value='Department of Veterans Affairs' >Department of Veterans Affairs</option><option value='Miscellaneous' >Miscellaneous</option><option value='Retired Annuitant' >Retired Annuitant</option><option value='Department of Homeland Security' >Department of Homeland Security</option><option value='Other Agencies and Independent Organizations' >Other Agencies and Independent Organizations</option></select></div></li></ul></div> <div class='gform_footer top_label'> <input type='submit' id='gform_submit_button_46' class='gform_button button' value='Submit' onclick='if(window["gf_submitting_46"]){return false;} if( !jQuery("#gform_46")[0].checkValidity || jQuery("#gform_46")[0].checkValidity()){window["gf_submitting_46"]=true;} ' onkeypress='if( event.keyCode == 13 ){ if(window["gf_submitting_46"]){return false;} if( !jQuery("#gform_46")[0].checkValidity || jQuery("#gform_46")[0].checkValidity()){window["gf_submitting_46"]=true;} jQuery("#gform_46").trigger("submit",[true]); }' /> <input type='hidden' name='gform_ajax' value='form_id=46&amp;title=1&amp;description=1&amp;tabindex=-1' /> <input type='hidden' class='gform_hidden' name='is_submit_46' value='1' /> <input type='hidden' class='gform_hidden' name='gform_submit' value='46' /> <input type='hidden' class='gform_hidden' name='gform_unique_id' value='' /> <input type='hidden' class='gform_hidden' name='state_46' value='WyJ7XCI3LjFcIjpcIjk3MzllMTcyMTUyYzE1MDhmYjQ1MzdhMWEyNGI2OGVjXCIsXCI3LjJcIjpcIjU4NWZmOGIxNmNjODUxZWU3ZWNlYzIxMTY1NWM1NjViXCIsXCI3LjNcIjpcIjlkZDBjNzZhODYxNzFkMjI4YTUwZDg5YWE5YWViNTFiXCJ9IiwiYTJkZDdlZTEzZmI4OTJhODY0ZDEzYmQzZGY4OTNiMTIiXQ==' /> <input type='hidden' class='gform_hidden' name='gform_target_page_number_46' id='gform_target_page_number_46' value='0' /> <input type='hidden' class='gform_hidden' name='gform_source_page_number_46' id='gform_source_page_number_46' value='1' /> <input type='hidden' name='gform_field_values' value='' /> </div> </form> </div> <iframe style='display:none;width:0px;height:0px;' src='about:blank' name='gform_ajax_frame_46' id='gform_ajax_frame_46' title='This iframe contains the logic required to handle Ajax powered Gravity Forms.'></iframe> <script type="text/javascript"> gform.initializeOnLoaded( function() {gformInitSpinner( 46, '/wp-content/plugins/gravityforms/images/spinner.svg' );jQuery('#gform_ajax_frame_46').on('load',function(){var contents = jQuery(this).contents().find('*').html();var is_postback = contents.indexOf('GF_AJAX_POSTBACK') >= 0;if(!is_postback){return;}var form_content = jQuery(this).contents().find('#gform_wrapper_46');var is_confirmation = jQuery(this).contents().find('#gform_confirmation_wrapper_46').length > 0;var is_redirect = contents.indexOf('gformRedirect(){') >= 0;var is_form = form_content.length > 0 && ! is_redirect && ! is_confirmation;var mt = parseInt(jQuery('html').css('margin-top'), 10) + parseInt(jQuery('body').css('margin-top'), 10) + 100;if(is_form){jQuery('#gform_wrapper_46').html(form_content.html());if(form_content.hasClass('gform_validation_error')){jQuery('#gform_wrapper_46').addClass('gform_validation_error');} else {jQuery('#gform_wrapper_46').removeClass('gform_validation_error');}setTimeout( function() { /* delay the scroll by 50 milliseconds to fix a bug in chrome */ jQuery(document).scrollTop(jQuery('#gform_wrapper_46').offset().top - mt); }, 50 );if(window['gformInitDatepicker']) {gformInitDatepicker();}if(window['gformInitPriceFields']) {gformInitPriceFields();}var current_page = jQuery('#gform_source_page_number_46').val();gformInitSpinner( 46, '/wp-content/plugins/gravityforms/images/spinner.svg' );jQuery(document).trigger('gform_page_loaded', [46, current_page]);window['gf_submitting_46'] = false;}else if(!is_redirect){var confirmation_content = jQuery(this).contents().find('.GF_AJAX_POSTBACK').html();if(!confirmation_content){confirmation_content = contents;}setTimeout(function(){jQuery('#gform_wrapper_46').replaceWith(confirmation_content);jQuery(document).scrollTop(jQuery('#gf_46').offset().top - mt);jQuery(document).trigger('gform_confirmation_loaded', [46]);window['gf_submitting_46'] = false;wp.a11y.speak(jQuery('#gform_confirmation_message_46').text());}, 50);}else{jQuery('#gform_46').append(contents);if(window['gformRedirect']) {gformRedirect();}}jQuery(document).trigger('gform_post_render', [46, current_page]);} );} ); </script>