Alyssa Lane
Servicemembers' Group Life Insurance (SGLI) is a low-cost term insurance coverage option for eligible service members. SGLI offers flexibility in terms of coverage levels and beneficiaries, with the added benefit of Traumatic Injury Protection (TSGLI). This insurance coverage is available to active-duty members of the military and their spouses, with the option to convert to a permanent, individual policy upon leaving the military.
| Characteristics | Values |
|---|---|
| Full name | Servicemembers' Group Life Insurance |
| Who is it for? | Eligible service members and their spouses |
| Cost | Low-cost term coverage |
| Coverage | Full-time and part-time |
| Premium | 6 cents per $1,000 of insurance coverage |
| Traumatic Injury Protection coverage | $1 per month |
| Traumatic injury financial support | $25,000 to $100,000 |
| Eligibility requirements | Active-duty member of the Army, Navy, Air Force, Space Force, Marines, or Coast Guard |
| Commissioned member of the National Oceanic and Atmospheric Administration (NOAA) or the U.S. Public Health Service (USPHS) | |
| Cadet or midshipman of the U.S. military academies | |
| Member, cadet, or midshipman of the Reserve Officers Training Corps (ROTC) engaged in authorized training and practice cruises | |
| Enrollment system | SGLI Online Enrollment System (SOES) |
| Post-service coverage | Can be converted to a permanent, individual insurance policy within 120 days of discharge |
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What You'll Learn
- SGLI offers low-cost term coverage to eligible service members
- SGLI coverage can be converted to a permanent, individual insurance policy after leaving the military
- Civilian spouses of service members with full-time SGLI are covered under FSGLI automatically
- SGLI members can choose their level of coverage and beneficiaries
- Traumatic Injury Protection coverage (TSGLI) is included in the premium
SGLI offers low-cost term coverage to eligible service members
Servicemembers' Group Life Insurance (SGLI) is a low-cost term insurance coverage option for eligible active-duty service members. It is offered to members of the Army, Navy, Air Force, Space Force, Marines, Coast Guard, NOAA, USPHS, and cadets or midshipmen of the US military academies and ROTC. SGLI provides financial security for service members and their families in the event of death or traumatic injury.
The basic SGLI premium rate is 6 cents per $1,000 of insurance coverage, with an additional $1 per month for Traumatic Injury Protection (TSGLI). TSGLI provides short-term financial support of $25,000 to $100,000 to aid in recovery from a traumatic injury incurred while serving in the military, even if off-duty. Service members who meet certain criteria are automatically enrolled in SGLI, and they can choose their level of coverage and beneficiaries.
SGLI offers flexibility to its members, allowing them to manage their coverage and beneficiaries through the SGLI Online Enrollment System (SOES). They can also view, print, save, or email their SGLI Certificate of Coverage to see any changes made. Additionally, when leaving the military, service members have the option to convert their SGLI coverage to a permanent, individual insurance policy within 120 days of their discharge date without proof of good health.
SGLI provides valuable financial protection for eligible service members and their loved ones, ensuring peace of mind during their service. It is a beneficial program that offers security and support in case of unforeseen circumstances.
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SGLI coverage can be converted to a permanent, individual insurance policy after leaving the military
Servicemembers’ Group Life Insurance (SGLI) is a low-cost term insurance policy for eligible active-duty service members, including those in the Army, Navy, Air Force, Space Force, Marines, Coast Guard, and more. When a member joins the military, the government automatically provides SGLI coverage and deducts premiums from their pay. However, service members can choose to decline this coverage and opt for a different policy through a commercial life insurance company or nonprofit organization.
Upon leaving the military, service members have the option to convert their SGLI coverage to a permanent, individual insurance policy within 120 days from their date of discharge. This conversion can be done without requiring proof of good health. The Veterans’ Group Life Insurance (VGLI) program allows former service members to retain their life insurance coverage after their military service for as long as they continue to pay the premiums. To convert an SGLI plan to a VGLI plan, individuals must submit an application to the Office of Servicemembers Group Life Insurance within 120 days of separating from active duty.
It is important to note that the maximum coverage amount under SGLI is $400,000, and the VGLI coverage amount cannot exceed this limit at the time of separation from service. Under VGLI, individuals can purchase coverage in increments of $10,000 up to a maximum of $250,000. Additionally, those who had SGLI coverage while in the military can apply for VGLI within 1 year and 120 days from their date of discharge, retaining up to the same level of coverage they had under SGLI.
By converting SGLI to a permanent, individual insurance policy, former service members can ensure they maintain continuous life insurance coverage after transitioning out of the military. This option provides flexibility and peace of mind as individuals navigate their new civilian chapter.
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Civilian spouses of service members with full-time SGLI are covered under FSGLI automatically
Servicemembers' Group Life Insurance (SGLI) offers low-cost term coverage to eligible service members. Service members who meet certain criteria are automatically enrolled in SGLI. After enrollment, service members can change the level of coverage or even refuse coverage. They can also choose their beneficiaries and change them as needed.
Civilian spouses of service members with full-time SGLI are covered under FSGLI (Family Servicemembers' Group Life Insurance) automatically. The premium for the coverage is deducted automatically from the service member's pay. Military spouses married on or after January 2, 2013, are not automatically covered. Service members need to enroll their spouses through the SGLI Online Enrollment System (SOES) via milConnect. The FSGLI benefit provides up to a maximum of $100,000 of coverage for a spouse, not exceeding the service member's SGLI coverage, and $10,000 for each dependent child. Dependent children get free coverage.
If you are signed up as a spouse in the Defense Enrollment Eligibility Reporting System (DEERS), the FSGLI premium will be automatically deducted from your service member's pay. If you aren't signed up in DEERS, your service member will still be responsible for premiums and back payments of unpaid premiums. The service member can reduce, turn down, or cancel spousal coverage by submitting changes online through SOES.
To sign up for FSGLI, select "Manage my SGLI." Your service member can log in with their CAC or DS Logon as soon as they receive notice that they can start using SOES. Your service member will pay a premium for your coverage, which will increase as you age.
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SGLI members can choose their level of coverage and beneficiaries
Servicemembers’ Group Life Insurance (SGLI) offers low-cost term coverage to eligible service members. SGLI members can choose their level of coverage and beneficiaries. Members can also refuse coverage completely. Changes to coverage levels or beneficiaries must be completed through the SGLI Online Enrollment System (SOES). Members can select "Manage my SGLI" and make any needed updates to their coverage and beneficiary information.
To access SOES, SGLI members can log in with their CAC or DS Logon as soon as they receive a notice that they can start using SOES. Members with SGLI coverage will pay a monthly premium that will be automatically deducted from their base pay. The basic SGLI premium rate is 6 cents per $1,000 of insurance coverage, with an additional $1 per month for Traumatic Injury Protection coverage (TSGLI). TSGLI provides short-term financial support to eligible service members recovering from severe injuries.
When SGLI members leave the military, they have the option to convert their SGLI coverage to a permanent, individual insurance policy within 120 days of their discharge date without proof of good health. They may also be able to keep their coverage for up to 2 years after leaving the military at no cost if they meet certain requirements, such as loss of speech or permanent loss of use of hands, feet, or eyes.
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Traumatic Injury Protection coverage (TSGLI) is included in the premium
Servicemembers’ Group Life Insurance (SGLI) offers low-cost term coverage to eligible active-duty service members. SGLI coverage is available to members of the Army, Navy, Air Force, Space Force, Marines, or Coast Guard, as well as commissioned members of the National Oceanic and Atmospheric Administration (NOAA) or the U.S. Public Health Service (USPHS), among others.
To be eligible for TSGLI payments, service members must meet certain requirements. They must be insured by SGLI when the injury occurs, and the injury must cause a loss covered by the policy. The loss must occur within two years of the traumatic injury, and the service member must survive for at least seven days from the date of the injury.
If eligible, TSGLI can provide financial assistance for various expenses connected to recovery and rehabilitation. This includes inpatient hospital care at critical care facilities, rehabilitation facilities, and skilled nursing facilities, as well as transitional care to help individuals return home.
It is important to note that service members can choose their level of coverage or even refuse SGLI coverage completely. They can also choose their beneficiaries and change them as needed through the SGLI Online Enrollment System (SOES). Additionally, when leaving the military, individuals have the option to convert their SGLI coverage to a permanent, individual insurance policy within 120 days of their discharge date.
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Frequently asked questions
SGLI stands for Servicemembers' Group Life Insurance.
Eligible service members include those who are active-duty members of the Army, Navy, Air Force, Space Force, Marines, or Coast Guard, as well as commissioned members of the National Oceanic and Atmospheric Administration (NOAA) or the U.S. Public Health Service (USPHS). Cadets and midshipmen of the U.S. military academies and the Reserve Officers Training Corps (ROTC) engaged in authorized training and practice cruises are also eligible.
If you meet the eligibility criteria, you will be automatically signed up for SGLI. You can manage your coverage through the SGLI Online Enrollment System (SOES).
SGLI offers low-cost term coverage to eligible service members, including full-time and part-time coverage options. Civilian spouses of service members with full-time SGLI are also covered under FSGLI.
Yes, you can choose your level of coverage or even refuse coverage completely. You can also choose your beneficiaries and change them as needed through the SOES system.
