Servicemembers' Group Life Insurance (SGLI)
Servicemembers’ Group Life Insurance is low-cost term insurance protection for members of the
uniformed services. All service members on active duty, ready reservists, members of the
Commissioned Corps of the National Oceanic and Atmospheric Administration and the Public Health
Service, cadets and midshipmen of the four service academies, and members of the Reserve Officer
Training Corps are eligible for SGLI.
SGLI will
only
continue to cover you for the
first 120 days after your separation
, just as if you were still in uniform. If you are totally disabled at the time of
your separation, your SGLI coverage can continue, free of charge, for up to two years from the date
of your separation. Following expiration of your coverage extension under your SGLI, you must
make your own arrangements for life insurance. One option is Veterans' Group Life Insurance (VGLI),
offered by the VA which is discussed in the next section.
Traumatic Injury Protection Program (TSGLI) is a disability rider to the SGLI
program that provides automatic traumatic injury coverage to all service members covered under the
SGLI program who suffer losses due to traumatic injuries. TSGLI payments range from $25,000 to
a maximum of $100,000 depending on the type and severity of injury.
Family SGLI (FSGLI) coverage is available for the spouses and dependent children
of active duty service members and members of the Ready Reserve insured under Servicemembers’ Group
Life Insurance program.
The service member’s’ spouse may obtain coverage up to $100,000 or an amount equal to the
Service members’ coverage, whichever is less. Age based premiums are charged for
spouses. Each dependent child of the Service member is automatically insured for $10,000 free
of charge. A member can decline or elect lesser spousal coverage in increments of $10,000, but may
not decline coverage for a dependent child.
